Job Description

Key Responsibilities:Business Development:- Identify and target potential clients in the commercial vehicles and construction equipment segments.- Develop and implement strategies to acquire new business and grow the asset book.- Collaborate with the sales team and other departments to create customized solutions for clients.Client Relationship Management:- Manage and maintain relationships with existing clients, ensuring high levels of customer satisfaction.- Conduct regular client meetings to understand their business needs, and provide appropriate financial products and services.- Act as the primary point of contact for clients, addressing their queries, and resolving issues promptly.Credit Assessment and Risk Management:- Conduct detailed credit assessments of potential clients, analyzing their financial statements, market position, and creditworthiness.- Prepare and present credit proposals to the credit committee, ensuring all risks are identified and mitigated.- Monitor the credit performance of the portfolio and take proactive measures to manage risks.Product Knowledge and Expertise:- Maintain in-depth knowledge of banking products and services related to commercial vehicles and construction equipment financing.- Keep up-to-date with market trends, competitor activities, and regulatory changes affecting the sector.- Provide training and support to junior team members on product knowledge and client management techniques.Cross-Selling and Revenue Generation:Identify opportunities for cross-selling other banking products, such as working capital loans, insurance, and treasury services.Work closely with other departments to enhance revenue generation and ensure a holistic approach to client service.Compliance and Documentation:- Ensure all transactions and client interactions comply with internal policies, regulatory requirements, and industry standards.- Manage the documentation process for all transactions, ensuring accuracy and completeness.Qualifications and Skills:Education: Bachelor\'s degree in Finance, Business Administration, Economics, or a related field. A Master\'s degree or relevant professional certifications (e.g., CA, CFA) is preferred.Experience: Minimum of 3-5 years of experience in relationship management or sales within the banking sector, specifically in commercial vehicle and construction equipment financing.Skills:- Strong analytical skills with the ability to assess credit risk.- Excellent communication and interpersonal skills, with the ability to build and maintain client relationships.- Proven track record of achieving sales targets and growing a portfolio.- Knowledge of banking products, financial markets, and regulatory frameworks.- Strong organizational and multitasking abilities. (ref:updazz.com)

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