Relationship Manager - Working Capital

We are seeking a Relationship Manager - Working Capital to drive the acquisition of new customers and manage the entire lifecycle of working capital loans. You will be responsible for lead generation, customer due diligence, document verification, and coordinating with various stakeholders to ensure timely loan sanction and disbursement. This role requires a proactive and organized approach to meet individual targets and maintain strong relationships with clients.

Roles & Responsibilities:

• Lead Generation & Acquisition: Generate leads and meet with potential customers to acquire new business.
• Due Diligence: Perform necessary KYC, customer validation, and market inquiries. Verify references and conduct unit and security visits.
• Loan Processing: Collect and verify required documents, review financials and bank statements, and initiate the loan application process.
• Coordination: Coordinate internally to obtain loan sanctions and issue sanction letters. Work with panel advocates and engineers for title opinions and property valuations.
• Execution & Disbursement: Create and execute necessary documents (e.g., MOD, filing ROC, CERSAI). Ensure the creation of limits in core banking and the timely disbursal of sanctioned limits.
• Account Monitoring: Continuously monitor the account on an ongoing basis until the next renewal.
• Target Achievement: Ensure the overall achievement of individual targets.
• Relationship Building: Maintain a cordial relationship with the branch for leads and client servicing.

Skills Required:

• Proven experience in lead generation and customer acquisition.
• Strong skills in performing due diligence, KYC, and document verification.
• Experience in processing and disbursing working capital loans.
• Ability to coordinate with multiple internal and external stakeholders.
• Strong understanding of financial documents and legal requirements.
• Proactive and self-motivated with a focus on achieving individual targets.

QUALIFICATION:

• Bachelor's degree in Finance, Business, or a related field, or equivalent experience.