Relationship Manager: SME Banking

Responsibilities Business Growth & Sales Drive new customer acquisition and retention to expand the SME portfolio Meet revenue, balance sheet, and P&L targets through cross-selling and increasing "wallet share" Grow CASA deposits and improve customer transactability Develop and implement SME banking strategies across branch networks Relationship Management Serve as the single point of contact for SME customers' banking needs Maintain high service standards and resolve escalated customer issues Conduct proactive client visits and engagement to reduce dormancy Product & Strategy Development Support the creation and launch of SME customer value propositions Research competitor products and identify improvement opportunities Provide product specialists with qualified cross-sell referrals Risk & Credit Management Monitor borrowing accounts and ensure healthy asset quality Ensure compliance with credit covenants, AML/KYC requirements Maintain NPA ratios within tolerated levels Reporting & Administration Track and report on portfolio performance (financials, sales, customer metrics) Ensure timely turnaround times for client applications Support budget preparation and risk management processes Key Measures: Revenue growth, customer acquisition, portfolio quality, CASA growth, NPS scores, and NPA ratios. Requirements Knowledge and Experience Bachelor’s degree in Business Administration, Finance, Economics, Marketing or any other related field A minimum of 3 years of working experience at Senior Officer level Professional banking qualification (e.g., CISI, ACCA, CPA, or equivalent) is a plus Proven track record of meeting sales targets and portfolio growth Experience with credit analysis and risk management Strong sales and business development capabilities Financial analysis and credit assessment skills Excellent relationship management and negotiation abilities Strategic thinking and commercial acumen Knowledge of banking products (trade finance, treasury, lending)