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Tier-1 brand, metro location, popular RM title, mid-level experience, and broad cross-sell requirements drive high competition.
Role demands sector-specific SME lending and working-capital sales experience, reducing transferability across industries.
Explicit 3-5 year mandate plus required SME lending, working-capital experience, and strict KYC/compliance increases shortlisting rigor.
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Acquire and develop a diversified SME portfolio within IBG 4 segment with turnover up to INR 100 Crore, ensuring revenue from multiple sources including assets, trade, cash, treasury, and fees.
Ensure portfolio profitability and risk management by following lending guidelines, maintaining delinquencies at NIL, and closely monitoring accounts for early warning signals and renewals.
Drive cross-selling of banking products and play a key role in achieving branch profitability and market share growth consistent with IBG4 business strategies.
3-5 years overall sales experience with 2-3 years in SME/Business Banking Lending focusing on asset business and working capital sales/service portfolio.
Bachelor's degree in Finance, Economics, Commerce or MBA or CA qualification.
Knowledge of Working Capital Finance and SME market dynamics.
Location requirement: Bangalore.
Proven sales achiever with a track record in SME asset business and working capital finance sales.
Experienced in managing credit portfolios with a focus on diversified revenue streams and strict risk adherence.
Ability to build and sustain client relationships through effective cross-selling and local market intelligence gathering.