Senior Sales and Service Professional

4 days ago

Delhi NCR, India beBeeBanking Full time ₹ 15,00,000 - ₹ 25,00,000
Job Overview:

Our team is seeking an experienced Business Banking Relationship Manager to join our working capital sales and service team. As a key member of the team, you will be responsible for acquiring new asset relationships, managing a portfolio of clients, and driving cross-sell opportunities across our mapped geography.

Key Responsibilities:
  • Business Development & Acquisition:
    • Acquire new business banking asset relationships through various sourcing channels.
    • Achieve volume and profitability targets through customer acquisition and deepening existing relationships.
    • Actively work with branch teams to generate and convert leads; update lead status in CRM and follow defined sales processes.
    • Identify wallet share and cross-sell opportunities for liabilities, salary accounts, insurance, and investment products.
    • Ensure strong return on capital and improved portfolio yield.
  • Relationship Management:
    • Maintain and strengthen long-term relationships with customers and their associated entities.
    • Resolve customer issues related to trade, foreign exchange, asset servicing, and daily banking transactions.
    • Conduct regular client visits and maintain structured call memos in CRM for effective tracking.
    • Enhance income per household (IPH) and customer-to-group (CTG) metrics.
  • Credit, Documentation & Disbursement:
    • Coordinate with credit teams for CAM preparation, approvals, and query resolutions.
    • Oversee documentation and ensure timely deferral closure, legal and technical report tracking, and post-disbursement compliance.
    • Negotiate terms and pricing with clients while ensuring risk-return alignment.
  • Cross-Functional Coordination:
    • Liaise with internal stakeholders: Credit, Ops, Trade Desk, Treasury, CMS, E-Net, and Salary teams for seamless transaction processing and customer servicing.
    • Collaborate with other product teams to improve product penetration and customer satisfaction.
  • Compliance & Portfolio Health:
    • Monitor and maintain portfolio health through regular reviews, housekeeping, and timely renewals of facilities.
    • Manage stress accounts proactively and implement appropriate exit, restructuring, or recovery strategies.
    • Ensure compliance with KYC, AML, and internal risk guidelines.

Requirements:

  • Post-Graduate in Finance / Business Management or Chartered Accountant
  • Minimum 2–3 years of experience in Working Capital / BBG sales and service in a Private Sector Bank

Skills:

  • Strong Financial and Balance Sheet Analysis
  • Sales, Influencing & Negotiation Skills
  • Deep Knowledge of Banking Products and SME Segment
  • Strong Communication & Relationship Management
  • Problem-Solving & Analytical Thinking
  • Knowledge of Regulatory Norms and Banking Compliance

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