Vamsi Krishna C

Assistant Manager @Karur Vysya Bank(KVB)

Chennai, IN

SBG Relationship Manager\'s primary responsibility is to acquire, manage, and grow a portfolio of Micro, Small, and Medium-sized Enterprise (MSME) customers, particularly focusing on working capital and term loans. Key duties include lead generation through market outreach, conducting customer due diligence and site visits, facilitating the loan sanctioning process, and ensuring the smooth disbursal and ongoing monitoring of accounts. They also focus on deepening relationships by cross-selling bank products and digital channel adoption, while consistently working towards individual performance targets. Customer Acquisition & Portfolio ManagementLead Generation: Proactively identify and onboard potential MSME customers in the market. Customer Acquisition: Convert leads into actual business by pitching KVB\'s products and services. Portfolio Growth: Build a strong portfolio of MSME customers and increase product penetration within existing accounts. Loan Process & Due DiligenceDue Diligence:Conduct market inquiries, verify customer references, and perform site visits to assess the business\'s viability. Document Collection:Collect necessary customer documents and financial statements to support loan proposals. Proposal Submission:Prepare and submit credit proposals for sanction by coordinating with internal departments. Sanction & Disbursal:Follow up to ensure timely issuance of sanction letters and the creation and disbursement of limits in the core banking system. Post-Sanction & Relationship ManagementAccount Monitoring:Monitor accounts on an ongoing basis until renewal and ensure compliance with policies and guidelines. Customer Engagement:Serve as the primary contact for mapped customers, addressing their banking needs and fostering strong relationships. Digital Adoption:Drive the adoption of digital banking channels among customers. Cross-selling:Promote and cross-sell various bank products.

Accord Business School, Chiguruvada (V), Tirupati

Bachelor of Commerce - BCom