Area Business Manager – Small Business
Job Role
* To drive a team of Business and/or Portfolio RMs at Area level
* To manage a team who can drive Current Client Acquisition and/or manage, maintain
and enhance assigned portfolio of existing customers
* To understand client’s business & provide appropriate working capital and
business loan solutions across fund/ non-fund based products like Cash
Credit, Demand Loan, BG etc. up to limit of Rs. 100 lacs
* Drive team for new acquisition through Branch Banking and/or Customer
referrals
* To build relationships with key persons (CFOs/ promoters) in the target
segments & build client trust & confidence.
* Focus to continually increase the Book size, SOH and profitability of the
Location
* To inculcate in team members understanding of client business models, trade
related activities, cash flows etc. and drive identification of opportunities
and growing client relationships.
* Grooming and mentoring team members so that they achieve their desired
performance levels (RM productivity)
* Resolving/Addressing location level concerns
* Channel Management viz RL, Privy, Wealth etc
* Drive adoption of various digital initiatives at location level
* To ensure right sourcing is being done at the location
* Deepen our market reach through trade meeting, industry associations, local
forums etc.
* Enhance X-sell opportunities such as KLI, KGI, CMS etc
* Strengthen and build sustainable trade book with healthy mix of importers and
exporters at location level
* To be alert on competitive elements in the target segments (viz. other banks
etc.) & Augment the presence and penetration of the Kotak brand in the target
market
* Drive high caliber client service from the Team
* Manage TAT for the location within specified levels for all aspects such as
client onboarding, processing of customer requests, renewals etc
* Improve efficiency by monitoring & overseeing continuous improvement of
processes.
* Benchmark and adopt best practices used in the
📌 Area Business Manager (India)
🏢 Kotak
📍 India