SME Relationship Manager (8-10 Years)

SME Relationship Manager

Company: Talent Zone Consultant

Job Title: Senior SME Relationship Manager / SME Lending Relationship Manager

Experience: 8-10 Years

Location: Bangalore / Mysore / Chennai

Employment Type: Full-time

Job Summary

Talent Zone Consultant is looking for an experienced SME Relationship Manager with 8-10 years of experience in SME lending, business banking, NBFC, FinTech or financial services.

The ideal candidate will be responsible for SME customer acquisition, credit assessment, loan sourcing, portfolio management and revenue growth. The role requires strong knowledge of working capital, business loans, term loans and secured/unsecured SME lending, along with the ability to build long-term relationships with SME clients.

Current SME banking roles in Bangalore emphasize acquiring, growing and retaining profitable SME portfolios, structuring appropriate credit facilities and managing portfolio returns.

Key Responsibilities

Acquire new SME/MSME customers through direct sourcing, referrals, channels and market outreach.

Develop and maintain strong relationships with SME business owners, promoters and key decision-makers.

Manage the complete lending lifecycle from lead generation to sanction and disbursement.

Understand customer business models, financial requirements and working-capital needs.

Conduct preliminary credit assessment and financial analysis of SME borrowers.

Analyse financial statements, cash flows, banking transactions and repayment capacity.

Prepare and coordinate credit proposals and loan documentation with Credit and Risk teams.

Handle Working Capital Loans, Term Loans, Business Loans, LAP and other SME lending products.

Coordinate with Credit, Operations, Legal, Risk and Collections teams for timely processing and disbursement.

Manage and grow an existing SME lending portfolio while maintaining portfolio quality.

Track customer repayment behaviour, exposure, delinquency and credit risk.

Identify cross-sell and up-sell opportunities across lending, payments, cash management and other financial products.

Achieve monthly/quarterly acquisition, disbursement, revenue and portfolio growth targets.

Build relationships with DSAs, channel partners, brokers and referral networks.

Monitor market trends, competitor offerings and emerging SME financing opportunities.

Ensure compliance with internal policies, KYC requirements, credit guidelines and applicable regulations.

Required Skills

Core Skills:

SME Lending, MSME Lending, Business Banking, Credit Assessment, Credit Analysis, Loan Processing, Loan Origination, Customer Acquisition, Portfolio Management, Relationship Management, Business Development, Financial Analysis, Financial Statement Analysis, Working Capital Loans, Term Loans, Business Loans, LAP, Secured Lending, Unsecured Lending, Credit Appraisal, Credit Underwriting, Risk Assessment, Portfolio Growth, Revenue Growth, Cross Selling, Upselling, Channel Management, DSA Management

Analytical / Technology Skills:

Financial Modelling, Credit Risk Analysis, Banking Analysis, Cash Flow Analysis, MS Excel, CRM, MIS Reporting, Portfolio Analytics, Business Analytics

Soft Skills:

Client Relationship Management, Stakeholder Management, Negotiation Skills, Communication Skills, Presentation Skills, Business Acumen, Market Development, Problem Solving, Target Orientation

Candidate Profile

8-10 years of experience in SME/MSME lending, business banking, NBFC, FinTech or financial services.

Strong track record in SME customer acquisition and portfolio management.

Hands-on experience in credit assessment and loan processing.

Good understanding of financial statements, cash flow and borrower creditworthiness.

Experience handling working capital and term lending products is preferred.

Candidates with experience managing high-value SME portfolios will be preferred.

Strong ability to acquire new customers while retaining and expanding existing relationships.

Experience working with Credit, Risk, Operations and Collections teams.

MBA/PGDM in Finance/Marketing or equivalent qualification preferred.

• Experience

  8 - 10 Years

• No. of Openings

  4

• Education

  Graduate

• Role

  SME Relationship Manager

• Industry Type

  Banking

• Gender

  [ Male / Female ]

• Job Country

  India

• Type of Job

  Full Time

• Work Location Type

  Work from Office