Area Sales Manager-Supply Chain-Sales-Chennai - Centennial Square-MM*

Job Purpose

Direct Reports (Position Title)

Resources

Direct:

Indirect Team Size (Onrolls):

Book Size: INR XX

Net interest income:

Main Accountabilities

Qualifications & Experience

• Minimum Degree: Post Graduate/Graduate in any discipline
• Minimum Years/type of experience:3-6 years

Competencies:

• Speed
• Meritocracy
• Customer Focus
• Tech Quotient
• Adaptability
• Influence
• Collaboration
• Integrity
• Resilience
• Risk management
• Financial acumen

Functional Competencies

TCL shall populate as per the existing grid

Key Decisions taken

• Selection of prospective SME clients to target for new business origination.
• Assessment of credit risk associated with SME clients and financing structures.
• Financial analysis and evaluation of creditworthiness of SME clients.
Structuring of credit facilities tailored to the unique needs and risk profiles of SME clients.

New Business Prospects:

• Originate new business prospects within the SME sector through direct sourcing and open market channels.

Customer Acquisition:

• Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.

Business Generation:

• Meet existing SME clients to identify business opportunities and drive revenue.

Working Capital Facilities:

• Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. Customer Relationship Management:
• Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients.

Cross-Selling:

• Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.

Credit Risk Assessment:

• Assess the credit risk associated with SME clients and their proposed financing structures.
• Collaborate with credit and risk teams to ensure sound credit decisions.

Financial Analysis

• Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
• Prepare and present comprehensive credit proposals.

Credit Structuring:

• Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles.
• Optimize the credit solutions offered to SME clients.

Compliance and Regulations:

• Ensure compliance with all relevant regulatory requirements and internal policies.
• Stay updated on changes in regulations affecting SME banking.