About Retail Lending

The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home,Loans, Car Loans and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank.

About the Role

Small Business Banking is part of Retail Lending dealing with MSME Loans. Equipped with Products to Suit the requirements of all MSMEs through their Life Cycle Coupled with various Digital Initiatives, SBB is on Consistent Growth Path. With Customer base of 2.5 Lacs + and book touching 40K Crores, SBB is increasing Business Share With in our Bank as well as Competition. With an eye to build a robust Customer Model and preferred Lending partner to 5 Lac MSMEs in their Journey, SBB is inviting applications from Individuals with an Eye for Innovation, Growth Mindset & who share the mission to emerge as Digitally Enabled / Preferred MSME Partner.

As the book grew & base had increased, in line with our Banks Policy of Customer Obsession, Portfolio Team is established with a goal to Engage with Customer, Look for Opportunities on Lending, Liability , Banking Needs at the same time Manage Risk & Profitability of the Relationship.

Key Responsibilities

· Act as Absolute owner of the Mapped book & manage the Customer Life Cycle.

· Create an excellent Customer Experience by way of engaging, enabling & e2e Ownership

· Fresh Acquisition of Working Capital Loans through Referrals & activities

· Renewals & Deferrals Management

· Manage the Portfolio Health, DPDs & the timely interest servicing

· Aim to increase Product per Customer & acquire full relationship of the Customer for all banking Needs

· Effectively use the Digital platforms like Project Neo, Various STP Journeys , Business App , Siddhi &others available to extend faster & better experience.

· Responsible for the productivity of the Relationship officer if mapped.

· Partner with Central Office, Project teams to constantly share feedback on Customer Asks & take

initiatives – Be a change maker.

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

· Customer First Attitude. Combined with strong relationship Management skills

· Working Capital Knowledge, Understanding of Financials is a definite advantage

· Strong Sales Oriented Mind set with experience in handling Customers

· Leadership Mind set to balance both transactional needs & Strategic Needs

· Collaborative Skills required to set & Scale.

About Axis

Incorporated in 1994, Axis Bank is one of India’s most trusted banks & the third largest in the private sector. At Axis Bank,customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool.

The Bank has a young & engaged workforce of over 60,000 employees, with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way