Job Description:

About Wholesale Banking Coverage Group (WBCG)

The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the

Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering,

Chemicals, Oil amp; Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with

higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital

facilities

About the Role

The Commercial Banking State Head, leads a team of RM Heads across the Segment. He/She will be responsible

for driving the commercial banking business (Asset and Liabilities) for the Segment. The Commercial Banking

business focuses on Asset and Liabilities requirement of the clients – mainly letters of credit, guarantees, trade

loans, etc. along with products such as Trade & Forex solutions & Cash Management Solutions to name

a few

Key Responsibilities

· Develop business relationships with Commercial Banking customers in the area to increase the top line, fee

income and net interest income of the Bank

· Achieve targets set for individual products like Working Capital (WC), Bank Guarantee (BG), LC (Letter of

Credit), OD (Over Draft), DOD (Demand Overdraft), Trade Forex, TOD etc.

· Establish and strengthen relations with key customers to enhance credit relationships and generate sustained

business.

· Identify and convert potential customers who can be sold tailored products to enhance product penetration

· Deepen the existing relationships by cross selling liability and asset products to new and existing customers

· Maintain a healthy portfolio and monitor the delinquency rates of the portfolio

· Ensure optimal limit utilization by the clients

· Monitor proposals that come up for renewal be a Part of sanctioning process including LCC





· Interact/ Liaise with various other departments to ensure smooth delivery of credit as well as other services

· Ensure audit related deliverables, both internal and external are met as per the prescribed norms

· Ensure compliance with due processes and guidelines

· Create a performance-oriented environment leading to high employee motivation and productivity

· Ensure that all staffing requirements of the center are met and adequate training is given to the staff on the products of the bank, sales processes and various policies of the bank.

Qualifications

· Graduate/ Post Graduate with min of 5 yrs of people leadership experience and a total of 18-20 Yrs experience

engaging with credit/sales functions

Role Proficiencies:

Knowledge of credit, banking products and services

· Ability to manage ambiguity

· Positive communication (both verbal and written) and presentation skill

· Ability to handle pressure and meet deadlines

· Good networking and relationship building skills.

Skills:

Refer to the Job Description

About Company:

Axis Bank is the third largest private bank in India, serving ~59 million customers with a workforce of over 104,400 employees as on March 31, 2025. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. As on March 31, 2025, The Bank has a large footprint of 5,876 domestic branches, 13,941 ATMs and cash recyclers, with close to 47% branches in rural and semi-urban region. The Bank's overseas operations encompass eight international offices, including branches in Singapore, Dubai (at DIFC), and Gift City-IBU. There are also representative offices in Dhaka, Dubai, Abu Dhabi, and Sharjah. The international offices focus on Corporate Lending, Coverage Business, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings.

📌 WBCG: MEG - State Head (Raipur)
🏢 Axis Bank
📍 Raipur