SECTION I: ROLE INTRODUCTION Outlines the basic information of the role.

Job Title Cluster Business Leader Reporting To Team Leader/ Regional Business Leader Job Code ID COB1G55TB Business Unit Commercial Banking Grade/ Level Upto G5 Sub Business Unit Medium Enterprises Management Band Middle Management Location PAN India Section II: JOB ROLE SCOPE Outlines the count of employees reporting and financial metrics of the role. Number of Direct Reports 3-5 Financial Metrics (Budget, Revenue, etc.) Cost Centre Total Team Size 3-5 SECTION III: PURPOSE OF THE ROLE A two-to-three-line statement outlining the objective or the reason for which the job exists. Lead and manage a team of Relationship Managers to acquire, deepen, and service clients in the Middle Market Segment (100 -500 Cr Turnover), ensuring portfolio growth and profitability

Deliver the entire suite of the Bank’s products and solutions across lending, liabilities, trade, treasury, and fee-based offerings, aligned with client needs and the Bank’s strategic objectives

Strengthen long-term relationships with promotors, top management and decision makers while maintaining strong risk discipline, compliance, and superior client experience.

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE These responsibilities are representative, and the role holder is also responsible for any other job assigned by the superior authorities from time to time. This section in not intended to be an exhaustive listing of all activities done by the role holder. It should capture only the key responsibilities of the role.

Metrics that are used to evaluate the success / performance of the role; specific targets do not need to be included as those would change from Y-o-Y.

Responsibilities KPIs Strategy & Planning Develop and implement business strategies for client acquisition, revenue growth, and portfolio profitability within the assigned segment

Identify recent business opportunities and cross-sell opportunities across banking products

Align portfolio objectives with the bank’s long-term growth strategy and risk appetite

Product Penetration

Journey TAT

Overdue Renewal

Return Upliftment

Processing Fee

Retail Cross Sell

FX

Total NII (Asset + Liab)

Liability NTB

Non-Fund (AYB)

CASA Growth (AYB)

PSL (NCF/WS/SMF) focused growth - Organic

Fresh Slippages

Asset NTB

Advances Growth (EOP)

Trade

Term Deposit Growth (AYB)

Productivity

Governance on Internal Audit

Liability Focus





Governance on Exceptions Core Responsibilities Team Management Lead, mentor, and motivate Relationship Managers to achieve business and service objectives

Build a high-performance culture through training, performance monitoring, and succession planning Promoter/ Top Management Relationship Engage and maintain relationship with top management and promoters of the client on regular basis

Understand the promoters / top management’s financial needs and challenges and provide suitable solutions for it Revenue Generation Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services

Manage the client relationships by handling activities ranging from identifying client’s financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal

Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Communication/PR of Bank’s products Undertake brand communication initiatives to reinforce the Bank’s positioning in the market.

Effectively articulate product value propositions through structured presentation, workshops, and client meetings

Differentiate the Bank’s offerings from competition through solution-driven engagement.

Market Research

Demonstrate deep understanding of clients’ industries, market conditions, and competitive landscape through primary and secondary research.

Anticipate client needs by analyzing sectoral trends, regulatory changes, and economic conditions

Provide actionable insights to product, credit and strategy teams for portfolio development Credit Appraisal Conduct rigorous analysis of client financials including income statements, balance sheets, cash flows, ratios and projections





Evaluate management quality, industry risk, and economic factors to structure sound credit proposals.

Ensure timely renewals, reviews and continuous monitoring of portfolio exposures Documentation and Compliance To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group People Management Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the section.

Develops talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals. Risk and Internal Control Implements the risk policies and processes (operational, regulatory, financial, informational, reputational and audit risks), ensuring that that these meet regulatory and internal requirements.

Implements the internal control systems in the department and participates in the departmental audits.

Implements practices to bridge gaps identified during departmental audits.

SECTION V: OPERATING NETWORK Key interactions which are essential to execute the role. This will include both internal (excluding sub-ordinates) and external stakeholders.

Internal

Risk / Credit / Underwriting teams → for limit approvals & portfolio quality Product teams (Trade, CMS, FX) → for revenue maximization Operations / CAD / CAG → for smooth execution External ME customers, promoters, Trade Associations, Industry bodies Channel partners, consultants, CA network SECTION VI: ROLE PROFILE REQUIREMENTS Minimum Qualification Which Are Essential To Execute The Role.

Education Essential: Bachelor’s degree in any field Preferred: Master’s degree is preferred Experience Essential: A minimum of 6 years of relevant experience with at least 4 years in a similar role Prior experience in BFSI sector/General industry in similar role Competencies CORE COMPETENCIES LEADERSHIP/ BEHAVIORAL COMPETENCIES Customer

Professional Entrepreneurship

Drive for Results

Influence and Impact

Quality Focus

Good knowledge of banking & trade finance products

Good communication, interpersonal & presentation skills

Creates discipline in getting things done.

Develops required capabilities within the team

📌 Cluster Business Leader (Noida)
🏢 Yes Bank
📍 Noida