RM-Startup lending-GIG Banking

Job Purpose

• Business development to acquire new relationships and grow the existing relationships for the designated market segments & geography.
• Acquire new relationships by engaging with startups for asset business.
• Manage and grow the relationship.
• Build a healthy and profitable portfolio

Job Responsibilities (JR): 6 8 Areas 

Actionable (4-6)

Relationship Management

• Responsible for sourcing startups for asset business
• Acquiring the account and capture the maximum share of the wallet size.
• Nurture existing relationship to generate business ensuring targets are met and there is availability of an increased revenue stream.
• Get new referral leads from existing customers.
• Generate cross sell opportunities and pass it on to relevant team

Business development

• Scoping the potential customers.
• Responsible for the growth of asset portfolio
• Work closely with retail Banking team and ecosystem players to source asset leads and close the deals.

Credit Appraisal and Monitoring 

• Understanding client requirements for credit facilities, preparation of CAMs.
• Ensuring timely disbursement of the facility, regularly interacting with client.
• Ensure maintaining housekeeping items like RFAs, EWS, Deferrals, timely renewal of facilities etc under control.
• Getting market intelligence and ensuring the quality of credit for client and portfolio.

Audit & Compliance 

• Ensure the compliance as per internal requirements of bank and external regulators like RBI, SEBI etc
• Ensure submission / completion of various regulatory requirements relevant to your clients and portfolio.
• Ensure timely redressal of customer complaints and grievances

Educational Qualifications (examples listed below)

Key Skills (examples listed below)

• Post-Graduation (MBA from a premier institute or CA/CWA)
• Sales and Influencing Skills
• Credit Appraisal
• Sound knowledge on Balance sheet analysis, working capital products.
• Banking Product & Process Knowledge
• Planning and Organizing Skills
• Good Communication skills
• Knowledge of Competition, Current trends & regulatory landscape in financial Industry especially the startups space
• Commercial Banking - should have working knowledge of commercial banking products like cash management / trade finance / FX etc.

Experience Required (examples listed below)

• Minimum experience in years – 8 yrs +
• Exposure to banking with exposure to asset business

Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) (examples listed below)

• Customers
• Credit & Market Risk
• Branch Banking Team 
• Operations
• Audit and Compliance
• Legal
• Product team