Senior Manager _Working capital_Banks_Chandigarh Tricity
5 days ago
Business Development & Acquisition
- Acquire new SME / Mid-Corporate clients with working capital requirements (CC/OD, Term Loans, BG/LC, WCDL, Trade Finance).
- Identify business opportunities through market mapping, industry references, connectors, and existing relationships.
- Structure working capital facilities based on business cash flows, industry cycles, and banking limits.
2. Portfolio Management
- Manage existing portfolio to drive revenue, cross-sell, and wallet share penetration.
- Conduct regular client visits, financial reviews, stock statements, receivable updates, and working capital assessment (WCA).
- Track portfolio health, delinquency, account conduct, and early warning signals.
3. Credit Assessment & Proposal Preparation
- Analyse financial statements, CMA data, projections, and business models.
- Prepare and present credit proposals with detailed analysis (industry risk, financial ratios, banking, repayment capacity).
- Liaise with credit, risk, and operations for timely sanction and disbursement.
4. Cross-Selling
- Cross-sell CASA, Trade products, Treasury, CMS, Term Loans, Insurance, and other liability/asset products.
- Drive fee income through LC/BG, FX, CMS, and trade products.
5. Compliance & Governance
- Ensure adherence to KYC, AML, documentation, and internal audit guidelines.
- Maintain high standards of compliance, portfolio hygiene, and regulatory reporting.
6. Relationship Management
- Build long-term relationships with promoters, CFOs, finance teams, and key decision-makers.
- Provide high-quality service levels to improve customer satisfaction and retention.
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