

Proven ability to source quality B2B clients through cold calling and market networking, conduct detailed financial analysis (P&L, Balance Sheet, GST, and banking), and perform comprehensive credit risk assessment.
Strong understanding of SME business models, cash flow cycles, and working capital structuring.
leverage credit evaluation expertise, relationship management skills, and working capital domain knowledge in a Relationship Manager role within the banking sector.
Business Development Manager – Working Capital
Oxyzo Financial Services
Results-driven Business Development Manager specializing in SME/MSME working capital financing. Responsible for sourcing, evaluating, and managing unsecured credit facilities with a focus on Purchase Finance. Managing end-to-end client acquisition across Gujarat and Maharashtra, from lead generation to disbursement and relationship management.
🔹 Key Responsibilities:
Sourcing SME/MSME clients requiring unsecured working capital limits.
Driving B2B sales through cold calling, referrals, and market visits.
Conducting in-depth financial analysis (Balance Sheet, P&L, GST, Bank Statements).
Performing credit risk assessment and preparing credit proposals.
Understanding client business models and structuring suitable working capital solutions.
Promoting premium product – Purchase Finance.
Coordinating with credit and underwriting teams for approvals.
Maintaining long-term client relationships and ensuring repeat business.
Monitoring portfolio performance and ensuring timely repayments.
Managing territory across Gujarat & Maharashtra.