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 solid 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.
Robust leadership, communication, and team management skills.
Excellent relationship management and stakeholder engagement abilities.
Robust influencing and negotiation skills.

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