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Location

Bangalore | India

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Job description

1: Job Purpose Statement (Summarise in one/two statements why this job exists and the contribution makes to the overall business of the company).

To analyze, develop, maintain and Expand the SME Retail portfolio in assigned geography.

2: Duties & Responsibilities ( List in the order of importance the duties & responsibilities of this job)

New Business & Product Development:
 Analyze the market for the products and do market research.
 Planning & execute market promotional activities according to market & business requirements.
 Meet with new customers for sourcing, assistance in business development activities.
 To establish strong marketing channels in the assigned territory through market research policies.
 Develop suitable products for new business opportunities.

Credit Assessment:
 Perform detailed credit analysis, field visit of the cases. Co-ordinate for credit risk assessment.
 CAM preparation and analysis of financial statements.
 Present the analysis to the committee for approval through Head - SME.

Operations & Monitoring:
 Co-ordinate for legal documentation, disbursement.
 Post-disbursement monitoring, Company performance monitoring, maintaining portfolio quality.
 Relationship management with the companies.
 Ensure collection of dues from the customers and also to help and monitor the payment from the company.
3: Key Challenges (List the key tasks performed to support the main objectives of the position).

 Underwriting of business.
 Maintaining portfolio quality.

4: Decision Making Authority (Describes the type of decisions made alone, those on which the manager must be consulted, those referred to a higher level, and job procedures to be followed).

 Proposal structuring, customer visits, business development.
 Proposal structuring, new products, Approval & Rejection of the cases.
 Sanction of the cases, creation/modification of credit and risk policies.

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Job tags

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Salary