RM - BBG - SME Working capital loans: Bangalore /Tumkur/ Hosakote
Quotient Consultancy™
Mumbai, India
6d ago

Job Description

Leading and largest bank is looking for RM BBG SME Working capital loans

Locations : Bangalore / Tumkur / Hosakote

Ticket size : 10 crs - 70 crs

CTC : upto 15 lacs

Work Locations : Andheri / Lower parel / Fort

Job Purpose

Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG

relationships depending on the geography covered and the branches mapped to the RM and maintain HNW

relationship management of the BBG customers in order to provide quality service to the customers.

Job Responsibilities(JR) : 6 8

Actionable (4-6)

Business Development 1. To achieve overall business targets on volumes and

profitability for BBG customers.

2. To regularly interact with the branches for lead generation for BBG,

updates on the leads in CRM, ensuring conversions and following

complete lead conversion process.

3. Market scoping and identifying the potential customers with wallet

share for all BBG customers and product penetration and strategy

for achievement under various initiatives jointly with branch

banking team.

4. RMs have to follow the laid down sales process which

done in a structured manner either individually or with

support groups, branches or supervisors.

future guidance and monitoring of accounts and also to

assign tasks & leads to other departments.

6. Monthly review to be done with various product groups

and supervisors who support the RMs portfolio (plan Vs

achievement) and other cross function teams to ensure

better product penetration.

7. Improvement on yield for the Bank so that the Portfolio

has a strong Return on capital at RM portfolio level.

9. Documentation pre-disbursement (Doc collection, legal & TSR,

Valuation etc.) and post disbursement sign off from customers,

including deferral closure

10. Ensuring cross selling of complete liabilities, corporate salary

accounts, other asset products, TPP to the existing Relationships

and its raised group accounts.

11. Increasing the IPH and CTG to ensure revenue maximization.

Customer relationship


1. Relationship building with both internal and external

customer of the RM. Client satisfaction and taking care of

all banking needs of the customer.

2. Preparation of customer profiling sheet and identifying cross sell

and revenue increasing opportunities

3. CAM Preparation & query resolution

4. Customer negotiation on rates and other issues relating to charges.

5. Daily servicing of customer , customer

queries related to Banking, Issuance of Cheque books, managing

cash deposition / withdrawal issues, solvency certificates, trade &

Fx transaction, etc.

6. To make sure high level of client satisfaction.

Coordinating with internal and

external stakeholders

1. Co-ordination with credit for CAM approval, deferral waiver /

extension & other customer requirements like Buyers credit, TOD’s

2. Co-ordination with local Ops for disbursements, TOD limit setting,

submission of Stock Statement.

3. Coordinating with trade desk and customer for smooth LC / BG

issuance, and for import / export payment, BG invocation, LC


4. E-Net, CMS and cross sell of other such products.

Ensuring Compliance and

Health check of portfolio

1. Portfolio review and remedial management which includes

managing exits, line reductions, recovery and restructuring

of exposures. Management of stress and critical accounts.

2. Also ensuring completion of Housekeeping pendencies including

insurance renewals, Plant visit, Site visit etc.

3. Follow-up and regularization of TOD’s

4. High value transaction reporting and tracking.

Role : Relationship Manager

Industry : Banking

Functional Area : BFSI, Investments & Trading

Role Category : Banking Operations

Key SkillsSMERMWorking CapitalBankingSkills highlighted with are preferred keyskills

UG : Any Graduate

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