Senior Relationship Manager- SME

We are looking for a relationship-driven finance professional to acquire and manage SME and mid-market clients, understand their funding requirements, and deliver appropriate financing solutions. The role combines business development, working capital advisory, credit assessment, and portfolio management, with a strong emphasis on building long-term relationships with founders, CEOs, and CFOs.

Key responsibilities

• Acquire SME and mid-market clients through targeted outreach, referrals, founder engagement, and professional networks.
• Build trusted relationships with founders and senior finance leaders to understand business performance, growth plans, and financing needs.
• Structure financing solutions across working capital, term loans, project finance, debt consolidation, and expansion funding.
• Evaluate financial statements, cash flows, liquidity, profitability, debt-servicing capacity, and collateral to assess funding suitability.
• Manage and grow client portfolios by identifying additional financing opportunities, strengthening retention, and maintaining service quality.
• Coordinate with internal credit, risk, and operations teams to support assessment, documentation, approval, and timely disbursement.
• Assess risks associated with complex financing requirements, including business expansion, asset acquisition, and debt restructuring.
• Align financing recommendations and deployment with clients’ working capital cycles and growth requirements.
• Monitor portfolio performance and emerging risks, coordinating timely action with relevant stakeholders.
• Improve client onboarding and financing processes through cross-functional collaboration and customer feedback.
• Track market trends and competitor offerings to identify new business opportunities.
• Share pipeline updates, portfolio insights, and process recommendations with leadership; contribute to team development and knowledge sharing.

Candidate requirements

• 7-12 years Relevant experience in banking or NBFC lending, particularly SME or mid-market relationship management, working capital finance, or corporate lending.
• Demonstrated ability to acquire clients, deepen relationships, and grow a lending portfolio
• Strong understanding of credit appraisal, financial analysis, cash-flow assessment, and risk mitigation.
• Experience translating business requirements into customized financing solutions.
• Confidence engaging with founders, CEOs, CFOs, and other senior stakeholders.
• Ability to balance commercial growth with credit quality, compliance, and customer experience.
• Experience coordinating cross-functional teams and managing multiple client requirements.
• Strong communication, negotiation, analytical, and problem-solving skills.
• MBA/PGDM in Management, Finance, or a related discipline preferred.
• Team handling experience is must

Preferred experience

• Experience with structured lending, debt consolidation, tenor restructuring, or expansion finance.
• Participation in SME or founder outreach initiatives and financing education.
• A record of improving onboarding, client engagement, or business processes.