Relationship Manager - Msme Banking

Job Purpose

The Relationship Manager will be responsible for developing and managing a portfolio of MSME clients, identifying business opportunities, and ensuring seamless delivery of banking solutions. The role demands a strong focus on business development, portfolio growth, risk management, and cross-selling to maximize MSME revenue.

Key Responsibilities

• Maintain a high level of client satisfaction by generating, managing, and servicing a portfolio of MSME clients while positioning the bank as their preferred banking and investment partner
• Identify and pursue new business opportunities to expand the MSME portfolio
• Drive sales of MSME banking products, including lending, deposits, and investment solutions
• Develop and maintain a pipeline of potential clients and actively convert leads into business
• Conduct sales activities, credit analysis, loan structuring, applicant interviewing, and character assessment
• Maintain high professional standards and provide quality services with competitive pricing to clients
• Leverage existing client relationships to cross-sell the bank's full range of financial products
• Ensure exceptional client service by addressing client needs and providing tailored financial solutions
• Perform to agreed plans to drive profitability and increase market share
• Monitor MSME portfolio performance, ensuring delinquencies and non-performing loans (NPLs) remain within acceptable thresholds
• Work in close cooperation with Business Intelligence, Credit, and Risk teams to ensure impairments and losses are minimized
• Ensure daily recoveries for own portfolio and maintain NPL levels below set targets
• Ensure full compliance with KYC, AML, and regulatory requirements, maintaining up-to-date client records
• Adhere to the bank's policies, standard operating procedures, and central bank regulations