• The Relationship Manager – SME is responsible for driving SME portfolio growth through acquisition of new customers, deepening existing relationships, ensuring high-quality credit underwriting, and delivering tailored financial solutions to SMEs. The role focuses on increasing funded and non-funded income, growing deposits, and ensuring portfolio quality in line with the institution’s risk appetite.

Responsibilities:

• Business Development and Sales
• Acquire new SME customers to grow the loan book, deposits, and transactional income.
• Identify financing opportunities in targeted MSME sectors.
• Develop and maintain a strong pipeline of SME prospects.
• Upsell and cross-sell additional bank products.
• Conduct market intelligence to identify trends and growth opportunities.
• Drive achievement of monthly and quarterly sales targets.
• Relationship Management
• Build strong client relationships.
• Conduct customer visits and business reviews.
• Handle onboarding, documentation, and service follow-up.
• Maintain customer satisfaction.
• Credit Appraisal and Risk Management
• Conduct credit assessments and cashflow analysis.
• Prepare high-quality credit proposals.
• Support collections in monitoring repayments.
• Identify and escalate early warning signs.
• Ensure compliance with internal and regulatory guidelines.
• Portfolio Management
• Maintain a performing SME portfolio.
• Track performance, repayment behaviour, and limit utilization.
• Conduct periodic portfolio reviews.
• Maintain accurate engagement records.
• Reporting and Operational Support
• Prepare weekly reports and pipeline updates.
• Support branch teams in achieving business targets.
• Participate in product improvement sessions.

KEY PERFORMANCE INDICATORS (KPIs)

• SME loan disbursement targets
• Deposit growth targets
• Non-funded income contribution
• Portfolio quality (PAR metrics)
• Number of new SME accounts opened
• Customer retention levels
• TAT and quality of credit proposals
• Weekly field activity and visit reports

Minimum Qualifications:

• Diploma holders with strong SME experience may be considered.

Professional Experience:

• 2–4 years’ experience in SME banking or microfinance.
• Proven sales and credit appraisal experience.
• Experience with MSME lending models is an added advantage.