Loan Business Development Executive

Job highlights

• Experience as Relationship Manager in Business Banking or Trade Finance with expertise in business credit assessment, export/import documentation, and RBI/FEMA guidelines
• Manage SME and corporate banking needs including working capital, trade finance, term lending, export finance; source, structure, and syndicate loans; maintain lender relationships and ensure compliance

BlissMoney Fintech Pvt. Ltd. | BM-HR-JD-ADM-001 | Job Description
Asset Manager
SME & Corporate Banking - Working Capital, Trade Finance, Term Lending & Export Finance

BM-HR-JD-ADM-001
DOCUMENT REFBangalore
LOCATIONCOO Office
REPORTING TOFull-Time
EMPLOYMENT TYPERole Overview

Manage the complete banking requirements of SME and corporate clients, including working capital, term loans, trade finance, foreign exchange, cash management, transaction banking and liability products, while identifying opportunities for cross-selling and deepening client relationships.
The candidate will be responsible for sourcing, advising and managing business banking relationships across working capital, trade finance, term lending, supply chain finance, export finance, business-purpose mortgages, and insurance cross-sell - syndicated across BlissMoneys panel of banks and NBFCs.
1. Products & Services You Will Manage

1.1 Working Capital Finance

• Cash Credit, Overdraft, Working Capital Demand Loans (WCDL), Dropline Overdraft, Short-term loans and ad-hoc limits

1. Trade Finance

• Letters of Credit, Bank Guarantees, Bill Discounting, Buyers Credit, Suppliers Credit, Packing Credit, Post-Shipment Finance, Export Bill Negotiation, Import Finance, Supply Chain Finance

1. Term Lending

• Business Loans, Machinery / Equipment Finance, Commercial Property Loans, Capex Funding

1. Supply Chain & Receivables Finance

• Dealer Finance, Vendor Finance, Invoice Discounting, Factoring, Channel Finance

1.5 Export & International Trade Finance

• FCNR Funding: foreign-currency funding sourced against FCNR(B) deposit-linked facilities.
• PCFC (Packing Credit in Foreign Currency): pre-shipment export finance in foreign currency, complementing rupee-denominated Packing Credit above.
• EEFC Account-Linked Facilities: supporting exporters who retain a portion of earnings in foreign currency.
• Forfaiting: non-recourse purchase of export receivables, distinct from and complementary to factoring.
• Standby Letters of Credit (SBLC): for clients with cross-border trade or contractual guarantee requirements.
• External Commercial Borrowings (ECB) Facilitation: for larger export/import-oriented clients seeking foreign currency term funding.
• ECGC-Backed Export Credit Insurance: insurance-supported export credit for clients trading in higher-risk markets.

1.6 Business-Purpose Mortgages

• Loan Against Property (LAP) - primarily for business owners raising capital against commercial or personal property.

1.7 Insurance Cross-Sell

• Loan Protection Insurance: bundled with any loan closed, tying directly into BlissMoneys existing insurance services.
• MSME / SME Insurance Products: broader business insurance - property, liability, and other MSME-relevant covers - offered as a cross-sell alongside lending, not limited to loan protection alone.

2. Key Responsibilities

2.1 Sourcing Business Banking Relationships

• Build a pipeline of SME and corporate clients across working capital, trade finance, term lending and export finance needs - leveraging existing banking relationships plus BlissMoneys referral network.
• Work leads handed over by the Wealth/RM team and existing client base.

2.2 Credit Assessment & Structuring

• Assess each clients working capital cycle, trade flows, and credit need - structuring a proposal a lender will actually approve.
• For trade finance specifically: correctly structure LC, BG and documentary credit requirements, with working knowledge of INCOTERMS and export/import documentation.

2.3 Syndication & Placement

• Place the structured requirement with the right lender from BlissMoneys panel of banks/NBFCs, based on rate, turnaround time, and eligibility fit.
• For larger or foreign-currency requirements, structure the facility across more than one lender where needed - true syndication, not just referral.

2.4 Lender & Partner Relationship Management

• Build and maintain relationships with banks and NBFCs to secure competitive terms and faster turnaround for BlissMoney clients, across both lending and deposit-side referrals.

2.5 Cross-Sell & Internal Coordination

• Work closely with RMs and the Advisory team to identify banking and insurance cross-sell opportunities within BlissMoneys existing client base.
• Keep the Advisory team informed when a client takes on new business debt, since it affects their overall financial picture.

2.6 Compliance & Documentation

• DSA Registration: BlissMoney operates as a facilitator, partnered with banks and NBFC institutions. This role - or BlissMoney as an entity - will be registered as a Direct Selling Agent (DSA) with each partner lender.
• Follow RBI and FEMA guidelines on loan sourcing, fair practices and cross-border trade transactions at every stage. Maintain complete, audit-ready documentation for every case, including export/import documentation where applicable.

3. What Were Looking For

• Primary Fit: currently or previously a Relationship Manager in a banks Business Banking Group (BBG), Small & Business Banking (SBB), Mid-Enterprise Group (MEG), or Corporate/Trade Finance desk - or an equivalent business banking role at another bank or NBFC.
• Genuine comfort assessing business credit and trade finance requirements - reading financial statements, understanding working capital cycles, and structuring proposals across both rupee and foreign-currency facilities.
• Working knowledge of export/import documentation, RBI/FEMA guidelines governing trade finance and cross-border transactions.
• Comfort managing a full cycle independently - from sourcing through structuring to closing - without a separate handover to another closer.
• Existing relationships with banks/NBFCs and business-owner clients are a strong advantage, given the target candidate profile above.
• Clear, honest communication - business banking is a trust-sensitive relationship, and clients need someone who explains terms plainly, not someone who oversells.

Confidential • BM-HR-JD-ADM-001 • BlissMoney Fintech Pvt. Ltd. • CIN: U67100KA2022PTC167581 •