Key Responsibilities:

Business Development:

- Identify and target potential clients in the commercial vehicles and construction equipment segments.

- Develop and implement strategies to acquire new business and grow the asset book.

- Collaborate with the sales team and other departments to create customized solutions for clients.

Client Relationship Management:

- Manage and maintain relationships with existing clients, ensuring high levels of customer satisfaction.

- Conduct regular client meetings to understand their business needs, and provide appropriate financial products and services.

- Act as the primary point of contact for clients, addressing their queries, and resolving issues promptly.

Credit Assessment and Risk Management:

- Conduct detailed credit assessments of potential clients, analyzing their financial statements, market position, and creditworthiness.

- Prepare and present credit proposals to the credit committee, ensuring all risks are identified and mitigated.

- Monitor the credit performance of the portfolio and take proactive measures to manage risks.

Product Knowledge and Expertise:

- Maintain in-depth knowledge of banking products and services related to commercial vehicles and construction equipment financing.

- Keep up-to-date with market trends, competitor activities, and regulatory changes affecting the sector.

- Provide training and support to junior team members on product knowledge and client management techniques.

Cross-Selling and Revenue Generation:

Identify opportunities for cross-selling other banking products, such as working capital loans, insurance, and treasury services.

Work closely with other departments to enhance revenue generation and ensure a holistic approach to client service.

Compliance and Documentation:

- Ensure all transactions and client interactions comply with internal policies, regulatory requirements, and industry standards.

- Manage the documentation process for all transactions, ensuring accuracy and completeness.

Qualifications and Skills:

Education: Bachelor's degree in Finance, Business Administration, Economics, or a related field. A Master's degree or relevant professional certifications (e.g., CA, CFA) is preferred.

Experience: Minimum of 3-5 years of experience in relationship management or sales within the banking sector, specifically in commercial vehicle and construction equipment financing.

Skills:

- Strong analytical skills with the ability to assess credit risk.

- Excellent communication and interpersonal skills, with the ability to build and maintain client relationships.

- Proven track record of achieving sales targets and growing a portfolio.

- Knowledge of banking products, financial markets, and regulatory frameworks.

- Strong organizational and multitasking abilities.