RUPAK KUMAR CHOUDHURY

MSME (BOB)Relationship Manager is a specialized banking professional responsible for acquiring small and medium enterprise clients, managing loan portfolios, and driving business growth

Key Job Responsibilities

An MSME Relationship Manager acts as a vital bridge between the business owners and the bank's credit department. Main tasks include:

• Client Acquisition: Sourcing and onboarding new business entities within the Micro, Small, and Medium sectors.
• Credit Appraisal & Underwriting: Analysing financial statements (balance sheets, cash flow statements), calculating financial ratios, and checking credit ratings.
• Loan Structuring: Designing tailored fund-based (working capital, term loans) and non-fund-based facilities (letters of credit, bank guarantees)
• Portfolio Management: Ensuring timely loan renewals, monitoring asset quality, preventing NPAs, and tracking compliance with Reserve Bank of India (RBI) guidelines.

• Overseeing portfolio size of over 80 cores and added new clients (total client base of 43).
• Monitored activities of 10 branches for lead generation for optimum business development.
• Coordinated with branches for lead generation for BBG and updates on the leads.
• Facilitated documentation pre-disbursement (doc collection, legal & TSR, valuation, etc.) and post-disbursement, including deferral closure.
• Identification of potential NPA client in the portfolio.
• Regular monitoring the portfolio to minimizing the risk of NPA.
• Regular interaction with the client to regularize the account by clearing interest service charges.
• NTB analysis based on financial statements, DPDs, etc.
• Finalized customer rates and other issues relating to charges.
• Managed customer services including issuance of Cheque books, DDs, cash deposition/withdrawal issues, solvency certificates, RTGS, trade & FX transactions, etc.
• Engaged in cross-selling of various asset products, other liability accounts, and TPP products to the existing relationships and its group accounts raised as HNW.
• Developed customer profiling sheet and mapped revenue optimization opportunities.
• Liaised with: Credit team for CAM approval, deferral waiver/extension & other customer requirements. Local Ops for disbursement of a case, TOD limit setting, and submission of stock statement.

An IRO-ABM acts as a mid-level leader overseeing sales, operations, and team targets.

• Core Purpose: Direct customer acquisition and rural/semi-urban market penetration.
• Key Responsibilities:Customer Acquisition: Sourcing new-to-bank retail customers for Current Accounts, Savings Accounts (CASA), or micro-loans.
  Field Activities: Conducting local market mapping, cold calling, and promotional canopy setups.
  Documentation: Managing the end-to-end customer onboarding journey, from collection to verifying loan documents.
  Collections: Ensuring minimal payment defaults by coordinating with borrowers for regular EMI collections.

At Bajaj Finance, a Assistant Manager in the PLCS (Personal Loan Cross-Sell / Cross-Sell) department drives loan and insurance sales, manages customer portfolios, and oversees lead fulfillment using existing databases.

Core Responsibilities

• Sales and Targets: Meet or exceed business goals for bundled and non-bundled loan and insurance products.
• Team Management: Recruit, train, and manage off-roll employees or field staff (FOS) to ensure high productivity.
• Data and Campaigns: Handle database management, lead generation, and coordinate tele-calling or field campaign activities.
• Portfolio Health: Maintain low portfolio delinquency rates and handle customer escalations or complaints.
• Cross-Functional Coordination: Work closely with internal credit, operations, and risk management teams.

The Business Development Executive (BDE) at Axis Bank is a front-line field sales role primarily focused on acquiring new customers and expanding the bank's retail asset and liability book. It is mostly an open-market, target-driven on-field job.

Key Responsibilities

• Customer Acquisition: Sourcing new-to-bank customers through open market visits, cold calling, and local references.
• CASA Sourcing: Opening new Current Accounts and Savings Accounts (CASA) to build the bank's core liabilities.
• Cross-Selling: Pitching third-party and internal financial products, including credit cards, loans, fixed deposits (FD), and insurance policies.
• Target Achievement: Meeting daily, weekly, and monthly sales targets outlined by the Branch Sales Manager (BSM).
• Data Log & CRM: Keeping precise tracking of all lead generation and daily customer interactions using the bank's CRM tool.
• Compliance: Ensuring strict adherence to KYC (Know Your Customer) norms and Anti-Money Laundering (AML) financial regulations.