_{Manage a set of existing Small Enterprise (SE) relationships and originating new SE relationships in business communities around branch locations.To achieve assigned financial and non financial objectives by meeting all borrowing & non borrowing needs of customers with target segments (Viz. borrowers, transactors, depositors).Actively source new-to-bank customers and generate new business leads from walk-in customers. Manage all customers focusing on relationship Management & up-selling/ deep-selling/ cross selling other bank products. Seamlessly takeover new relationships originated by DS & relationships downgraded by ME team using defined customer on-boarding procedure.Constantly identify opportunities to upgrade customers to ME category by identifying customer's needs & profiling.Responsible for quality & soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures etc).}

_{Responsibilities}

• _{Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling complete range of banking products.}
• _{Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.}
• _{Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/ upgrades.}
• _{Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.}
• _{Implement and maintain complete control aspects i.e. documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback to monitor the assigned portfolio effectively.}
• _{Maintain acceptable portfolio quality.}
• _{Screen the market for NTB opportunities.}
• _{Liaise between internal and external advisors to ensure precision of agreements.}
• _{Develop on the job learning curve of SSO to enable them to grow professionally and prepare them for higher levels of responsibility.}
• _{Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.}
• _{Achieve assigned financial and non financial targets.}
• _{Adhere to all the compliance & regulatory policies with regards to KYC/ AML etc as set out by the bank from time to time.}
• _{Update branch manager and regional SE manager on regular / weekly for better controls on sales and relationship management.}
• _{Regularly upgrade existing SE customers to ME segment by offering need based solution as per client's profile & requirements.}

_{Qualifications}

• _{Banking Sales & service experience with proven relationship management qualities.}
• _{Requires advanced vocational knowhow of the subject matter (viz. Credit, Trade, Operating system, Legal, etc)}
• _{Excellent communication and negotiation skills.}
• _{At least 7 years + relevant banking experience in local or international market}
• _{MBA/CA or if a regular graduate needs to possess adequate relevant experience.}
• _{Positive attitude, strong work ethic and a good team player.}