Senior Relationship Manager (MSME)

JOB PURPOSE / ROLE:

To build, manage and maintain relationships with MSME customers, through selling and cross-selling products and services, as well as providing solutions based on client needs with the objective of achieving sales targets, while ensuring that credit quality is maintained.

AREAS OF RESPONSIBILITY:

• Follows all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner
• Follows the day-to-day operations related to own job to ensure continuity of work
• Builds relationships with clients that are buyers of financial services through visits to major prospects and existing customers.
• Develops a thorough understanding of customer's organization, industry and global practices to maintain proximity to the clients and meet their banking needs and expectations.
• Identifies revenue opportunities to actively sell MSME products to customers in order to support the sales targets
• Maximizes product penetration and cross selling and actively seeks structured finance opportunities in-order to ensure the services required by the organization are delivered in the most effective manner.
• Develops account plans in a consistent and timely manner in order to swiftly follow-up on identified action items
• Provides inputs and demand insights to the team for loans which are commercially viable and also meet the required market demand.
• Reviews CAs and approve them as per authority levels in order to ensure quality and completeness of all CAs before sending them to Credit for CA Review.
• Collaborates with the Credit Analytics Unit and Risk Management on an ongoing basis in order to constantly secure and enhance the quality of the credit portfolio.
• Contributes to the identification of opportunities for continuous improvement of processes and practices taking into account international best practice, improvement of business processes, cost reduction and productivity improvement.
• Assists in the preparation of timely and accurate reports of Riyad Bank to meet company and department requirements, policies and standards.
• Complies with all relevant safety, quality and environmental management policies, procedures and controls to ensure a healthy and safe work environment.
• Performs other related duties or assignments as directed.

QUALIFICATIONS & EXPERIENCE:

Minimum Qualifications:

• Bachelor's degree in business with preferably a specialization in Finance or Accounting.

Minimum Experience:

• 7-9 years of relevant experience.