Relationship Manager SME Financing

Raqami Islamic Digital Bank Ltd. · India

Job Title: Relationship Manager – SME Financing

Department: SME & Business Banking

Job Overview

We are looking for a dynamic and results-driven Relationship Manager – SME Financing to acquire, develop, and manage a portfolio of Small & Medium Enterprise (SME) customers. The role is responsible for originating quality financing opportunities, growing customer relationships, managing portfolio risk, and delivering tailored Shariah-compliant financial solutions that support sustainable business growth.

Key Responsibilities

• Acquire and manage SME customer relationships through market outreach, referrals, business networks, and industry associations.
• Build and maintain a quality SME financing portfolio across targeted industries and business segments.
• Achieve assigned targets for financing, customer acquisition, profitability, and cross-selling.
• Promote Shariah-compliant financing and banking solutions to SME customers.
• Identify opportunities for trade finance, cash management, payroll, remittance, digital banking, and takaful solutions.
• Conduct customer visits, assess financing needs, and develop long-term business relationships.
• Prepare credit proposals, financial analyses, relationship reviews, and call reports.
• Assess customer cash flows, repayment capacity, collateral, and risk profile to recommend sound financing solutions.
• Monitor portfolio quality, account conduct, and early warning indicators while supporting recovery efforts where required.
• Ensure compliance with AML/CFT, KYC, SBP regulations, and Shariah governance requirements.

Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, Economics, Commerce, or a related discipline.
• 5–7 years of relevant experience in SME Banking, Commercial Banking, Business Banking, or Islamic Banking.
• Proven experience in relationship management, business development, customer acquisition, and credit assessment.

Preferred Skills

• SME Financing & Relationship Management
• Credit Analysis & Financial Statement Interpretation
• Islamic Banking Products & Structures
• Trade Finance & Cash Management
• Portfolio Management & Business Development
• Financial Modeling & Proposal Writing
• Stakeholder Management & Negotiation Skills
• Strong analytical and commercial acumen

Raqami Bank is an equal opportunity employer.

We welcome applications from all qualified individuals, including Persons with Disabilities (PWDs), and are committed to fostering an inclusive workplace where everyone has the opportunity to succeed.