Area Business Manager – Working Capital

Location: Multiple Locations - Mumbai/Bangalore/Chennai/Ahmedabad,etc

Department: Working Capital

Experience: 7–8 Years

Qualification: MBA / CA (Preferred)

Job Role

- Lead and manage a team of Business and/or Portfolio Relationship Managers at the area level.
- Drive new client acquisition and manage, maintain, and grow an assigned portfolio of existing customers.
- Generate business through branch banking channels and customer referrals.
- Build strong relationships with key decision-makers such as CFOs and business promoters to strengthen client engagement.
- Drive growth in portfolio size, share of wallet, and overall profitability for the assigned area.
- Guide the team in understanding client business models, trade activities, cash flows, and identifying business opportunities.
- Mentor and develop team members to improve productivity and performance.
- Resolve location-level operational and business challenges.
- Coordinate with internal channels such as Retail, Private Banking, Wealth, and other business verticals.
- Drive the adoption of digital initiatives across the location.
- Ensure quality sourcing and customer acquisition practices.
- Expand market presence through trade associations, industry forums, and networking events.




- Drive cross-selling of banking products and solutions.
- Build and strengthen a sustainable trade portfolio with a balanced mix of importers and exporters.
- Monitor market trends and competitive activities to strengthen market penetration.
- Ensure high standards of client servicing and relationship management.
- Manage turnaround time (TAT) for customer onboarding, servicing, renewals, and other operational processes.
- Improve operational efficiency through continuous process improvements and industry best practices.
- Work closely with internal teams to develop customised client solutions.
- Identify, monitor, and mitigate business risks.
- Ensure portfolio hygiene by maintaining parameters such as delinquency, churn, utilisation, and overall portfolio quality.

Eligibility Criteria

- MBA or CA preferred.
- 7–8 years of experience in the local market with exposure to Working Capital, Credit, and Sales.
- Prior experience in leading and managing sales or relationship management teams.
- Strong leadership, communication, and team management skills.
- Excellent relationship management and stakeholder engagement abilities.
- Solid influencing and negotiation skills.

📌 Area Business Manager (Mumbai)
🏢 Intellectual Capital HR Consulting
📍 Mumbai