Job Description:

Wholesale Banking – SME –Area Business Manager (Portfolio)

Grade – M6

Location: Mumbai

Reporting to: RBM

SME is a part of Wholesale Banking that manages lending business for Small & Medium enterprises with a turnover between 50 to 500 CR. The business is the fastest growing vertical within Wholesale Banking at Kotak and has been growing at a fast rate with a base of 3000 + customers.

Job Role:
Lead a team of Portfolio Relationship Managers, management of existing clients and acquisition of Recent to Bank customers in SME segment in the assigned geography.
Focus on building granularity and enhancing coverage by broadening the client base and driving risk calibrated operating profit.
Build a strong and robust customer base to increase product penetration and earn revenue by providing them high standards of service on an going basis
Enhance revenue streams through existing products and new products while maintaining the quality of portfolio
Increase penetration of cross sell corporate salary mandates, general insurance, wealth & privy accounts. Responsible for inter-functional synergies in order to tap business prospects for cross sell basis customer needs
Drive portfolio hygiene,



ensure there are no delinquencies, deferral closures on time, security creation
Build strong connection and engagement with key clients, promoters and CXOs
Drive acquisition of current clients and manage existing portfolio in SME space by offering transaction banking products such as TRADE, FOREX, CMS, WC, TL
Understanding of the credit of the company; work closely with BH/RBM/NCM/ZCM to present proposals to management for seeking approvals and deal closures with client
Continuous monitoring and review of account plans to ensure the business is as per budgets
Monitor team performance and positively inspire to achieve results

Job Requirements:
Chartered accountant/MBA, Should have 7+ years of relevant experience
Excellent networking skills
Must have knowledge of various SME banking products along with analytical and financial skills
Strong knowledge of Credit
Ability to lead and build a high performance and result oriented team
Strong communication (Written and Oral), Eye For detail
Desired personality traits: High energy levels, strong sales orientation, excellent people management skills, go-getter attitude.

📌 Area Head Sme Mumbai
🏢 Acura Solution
📍 Mumbai