State Head

3 days ago


ranchi, India Tata Capital Full time

DescriptionState Head - Sales CEQ REPORTS TO (SOLID & MATRIX): Position Grade:  Business Unit: SME Department: Sales Sub Function: CEQ Location:  Number of Positions: Single/ Multiple Position Type: Full TimeJob PurposeDirect Reports (Position Title)ResourcesThe objective of the Relationship Manager - SME Banking is to originate new business prospects within the Small and Medium Enterprise (SME) sector through direct sourcing and open market channels. This role involves acquiring and managing customer relationships, taking proposals to the disbursement stage, generating revenue, and cross-selling retail products to SME clients. Team SizeDirect: Indirect Team Size (Onrolls):Financial ResourcesBook Size: INR XXNet interest income: Main AccountabilitiesQualifications & ExperienceMinimum Degree: Post Graduate/Graduate in any disciplineMinimum Years/type of experience:3-6 yearsCompetencies:SpeedMeritocracyLeadership EffectivenessCustomer FocusTech QuotientSustainabilityAdaptabilityInfluenceCollaborationIntegrityResilienceAgilityDecisivenessRisk managementFinancial acumenFunctional CompetenciesTCL shall populate as per the existing  gridKey Decisions takenSelection of prospective SME clients to target for new business origination.Assessment of credit risk associated with SME clients and financing structures.Financial analysis and evaluation of creditworthiness of SME clients.Structuring of credit facilities tailored to the unique needs and risk profiles of SME clients. New Business Prospects:Originate new business prospects within the SME / infrastructure sector through direct sourcing and open market channels.Customer Acquisition:Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.Achieve the targeted New To Business (NTB) numbersBusiness Generation:Meet existing SME clients to identify business opportunities and drive revenue.Cross-Selling:Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.Sales of other financial solutions including other products , leasing , insurance  & wealth etc . Portfolio Quality Maintain the Early delinquency (ED) and other compliance parameters including PDD , deferrals etcCompliance and Regulations:Ensure compliance with all relevant regulatory requirements and internal policies.Stay updated on changes in regulations affecting SME banking.JD Written by JD Approved by


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