Leading Bank Hiring Regional Head Small Business Banking
MUMBAI
Interested please call MAHEK (phone hidden) and share resume at
[email protected]
Regional Head Small Business Banking | Ticket Size up to 10 Cr
1. Role Overview
Lead the Small Business Banking vertical for Mumbai Location at a leading Private Sector Bank. Own regional P&L; for loans up to 10 Cr with additional focus on CASA, Forex, Trade, and fee income. Drive secured + unsecured portfolio while maintaining RBI compliance and credit quality. Report to Zonal Head / National Head Business Banking.
2. Key Responsibilities
- Business Growth & P&L;
- Achieve monthly/quarterly disbursement, NTB acquisition, and PSL targets for the region.
- Drive asset book growth + liability focus: CA, CMS, Trade, LC/BG, Forex income from SME clients.
- Expand in MSME clusters, OD/CC, WCDL, Term Loans, CGTMSE, ECLGS, and Bank-specific SME schemes up to 10 Cr.
- Sales & Relationship Leadership
- Manage team of Cluster Heads, Branch Business Banking Heads, RMs, and Credit Analysts. Span: 7 to 10 members.
- Drive RM productivity: 8-10 logins/month per RM, 60+ conversion, 3x pipeline hygiene.
- Personally manage Top 30 regional accounts, key group exposures, and TASC/GBG relationships.
- Credit & Risk Management
- First level filter on credit proposals. Ensure CAMs meet Banks credit policy, regulatory caps, and sectoral exposure norms.
- Portfolio quality: Maintain GNPA NIL frauds. Drive EWS resolution with credit & SAM teams.
- Coordinate with Legal, Technical, RCU, and Risk for clean disbursals and audit compliance.
- Channel & Ecosystem
- Activate branch banking network for SME lead generation. Drive branch-DSA referral model.
- Build partnerships with industry associations, DIC, SIDBI, trade bodies. Drive govt scheme penetration.
- Lead co-lending partnerships with NBFCs under RBI guidelines where applicable.
- Operations, Compliance & Cross-sell
- Ensure 100 adherence to KYC/AML, RBI Master Circulars, Udyam, GST, and internal audit norms.
- Monitor TAT0 days secured 5 days unsecured. Drive LOS/LMS adoption.
- Push cross-sell: Current Accounts, CMS, Salary Accounts, Insurance, Trade/Forex, POS, Corporate Cards.
3. Key Performance Indicators - Bank Specific
Area KPI Typical Target
*Asset* Monthly Disbursement 3 Cr per RM
*Asset* NTB Acquisition minimum 2 current SME clients/RM per month
*Liability* CA Balances Sourced 15 Cr - 30 Cr/month
*Fee* Trade/Forex/Processing Fee 25 L - 50 L/month
*Compliance* Audit Rating Satisfactory with NIL High Risk. Zero 30+ Deferrals or Renewals
*Productivity* Asset per RM 3 Cr - 5 Cr/month
4. Candidate Requirements - Bank
- Experience: 10-15 years in Business Banking/SME with a Bank. Minimum 3 years as Regional Head.
- Exposure: Must have handled SBBG/MSME segment 1 Cr to 10 Cr. Strong understanding of RBI guidelines, Basel norms, CMA data, BB analysis.
- Leadership: Handled team of Relationship Managers/ Area Sales Manager for assigned regions with 7+ team. Experience managing branch-led sourcing model.
- Product Knowledge: CC/OD, WCDL, TL, LAP, CGTMSE, TReDS, Export Finance, LC/BG, Banking Surrogate.
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- Network: Deep connects with SME clusters, CAs, Trade Associations, DSAs
- Education: MBA from Tier 1/2 or CA. JAIIB/CAIIB preferred.
- Skills: Regulatory awareness, Balance Sheet reading, Trade/Forex basics, Strong audit mindset.
📌 Regional Head Small Business Banking/ SME (Ticket Size up To 10 Cr) (Mumbai)
🏢 Quotient Consultancy
📍 Mumbai