Portfolio Relationship Manager - SBE_Small Business Enterprise_0412_7633_1100926

Job Purpose

To manage and grow a portfolio of Small Business Enterprise (SBE) customers by providing financial solutions, maintaining strong client relationships, and ensuring portfolio quality through regular monitoring and risk management.

Key Responsibilities

• Manage an assigned portfolio of SBE customers and act as the primary relationship manager.


• Deepen existing customer relationships through cross-selling banking products such as Business Loans, Working Capital, Current Accounts, Trade Services, Insurance, and Investment Products.


• Achieve portfolio growth targets in terms of assets, liabilities, and revenue.


• Conduct regular customer visits to understand business requirements and identify business opportunities.


• Analyze financial statements, banking transactions, and credit requirements to recommend suitable banking solutions.


• Ensure quality of portfolio by monitoring repayment behavior and minimizing delinquencies.


• Coordinate with credit, operations, and service teams for timely processing of customer requests.


• Ensure compliance with regulatory guidelines, bank policies, and KYC requirements.


• Maintain accurate customer records and portfolio data in the bank's systems.


• Track market trends and competitor activities to enhance customer engagement and business acquisition.

Required Qualifications

• Graduate in any discipline (MBA/PGDM preferred).


• 2 to 8 years of experience in Business Banking, SME Banking, Relationship Management, or Sales.


• Strong understanding of SBE/SME lending products and credit assessment.


• Knowledge of financial statement analysis and banking operations.


• Good communication, relationship management, and negotiation skills.