Roles and Responsibilities

- To drive a team of Business and/or Portfolio RMs at Area level.

- To manage a team that can drive New Client Acquisition and/or manage, maintain and enhance the assigned portfolio of existing customers.

- To understand clients’ business and provide appropriate working capital and business loan solutions across fund/non-fund-based products like Cash Credit, Demand Loan, BG, etc., up to a limit of Rs. 100 lacs.

- Drive the team for current acquisitions through Branch Banking and/or Customer referrals.

- To build relationships with key persons (CFOs/promoters) in the target segments and build client trust and confidence.

- Focus to continually increasing 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 the location level.

- To ensure the right sourcing is being done at the location.

- Deepen our market reach through trade meetings, industry associations, local forums, etc.

- Enhance X-sell opportunities such as KU,



KGI, CMS, etc.

- Strengthen and build a sustainable trade book with a healthy mix of importers and exporters at the location level.

- To be alert on competitive elements in the target segments (viz. other banks, etc.) and 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 and overseeing continuous improvement of processes.

- Benchmark and adopt best practices used in the industry to further build efficiency at the location.

- Constantly share rapport with the operating units to customize and develop solutions.

- Mitigate risks and manage them actively.

- Ensure hygiene parameters such as delinquency, churn, utilization, etc., are met at the location.

Requirements

Desired Candidate Profile

- Preferably MBA/CA.

- Experience: 7–8 years of experience in the local market. Background in Credit and Sales knowledge is required. Prior experience of driving and managing teams is required.

- Good leadership, self-motivation, and communication skills for driving teams.

- Relationship management skills.

- Good influencing skills.

📌 Area Business Manager – SBE - Working capital (India)
🏢 Mintskill HR Solutions
📍 India