Job Summary

Job Description: Manager – Business Banking

Position Title

Manager – Business Banking

Department

Business Banking

Location

As per business requirement

Reports To

Senior Manager / Group Manager – Business Banking

Role Purpose

The Manager – Business Banking is responsible for driving business growth through the acquisition, management, and expansion of business banking relationships within the SME/MSME and Mid-Market segments. The role focuses on achieving business targets, managing customer relationships, assessing credit opportunities, and ensuring portfolio quality while delivering a superior customer experience.

Key Responsibilities

Business Development & Customer Acquisition

- Identify and acquire new Business Banking customers across SME, MSME, and emerging business segments.
- Develop strong customer pipelines through referrals, market mapping, and networking activities.
- Achieve assigned targets for assets, liabilities, revenue, fee income, and profitability.
- Promote a comprehensive suite of business banking products and services.
- Drive cross-selling opportunities across lending, transaction banking, trade finance, and liability products.

Relationship Management

- Build and maintain strong relationships with existing and prospective customers.
- Understand client business models, financial requirements, and growth plans.
- Provide customized banking and financial solutions aligned to customer needs.
- Ensure effective customer servicing and timely resolution of issues.
- Drive customer retention and relationship deepening initiatives.

Credit & Portfolio Management

- Analyze financial statements and assess customer creditworthiness.
- Prepare and recommend credit proposals in accordance with the bank's policies and guidelines.
- Monitor portfolio performance and identify early warning signals.
- Work closely with Credit, Risk,



and Operations teams for timely processing and approvals.
- Ensure portfolio quality and minimize delinquency levels.

Sales & Revenue Generation

- Meet monthly, quarterly, and annual business targets.
- Increase asset book, liability balances, and fee-based revenues.
- Maximize wallet share through cross-selling and upselling initiatives.
- Generate sustainable and profitable business growth within assigned markets.

Compliance & Risk Management

- Ensure adherence to KYC, AML, regulatory, and internal compliance requirements.
- Maintain complete and accurate customer documentation.
- Follow credit, operational risk, and audit guidelines.
- Ensure all transactions and customer interactions comply with organizational policies.

Market Intelligence & Business Planning

- Monitor market trends, industry developments, and competitor activities.
- Identify growth opportunities within assigned territories.
- Develop and execute territory-level business plans.
- Participate in local business events and networking activities to enhance market presence.

Stakeholder Management

- Collaborate with internal departments including Credit, Operations, Product, Service, and Compliance teams.
- Coordinate with branch teams and support functions to ensure seamless customer onboarding and servicing.
- Maintain effective communication with stakeholders to drive business outcomes.

Key Performance Indicators (KPIs)

- New customer acquisition
- Asset portfolio growth
- Liability mobilization




- Revenue and profitability achievement
- Fee income generation
- Cross-sell penetration
- Portfolio quality and delinquency management
- Customer retention and satisfaction
- Turnaround time for customer onboarding and credit proposals

Compliance and audit performance

Skill Requirements

Essential

- Bachelor's Degree in Commerce, Finance, Economics, Banking, Business Administration, or related field.

Preferred

- MBA / PGDM in Finance, Marketing, Banking, or related discipline.
- Certifications in Credit Analysis, Risk Management, Commercial Banking, or Financial Services.

Experience

- 5–8 years of experience in Banking and Financial Services.
- Minimum 3–5 years of relevant experience in Business Banking, SME Banking, Commercial Banking, Corporate Banking, or Relationship Management.
- Experience in handling business banking customers and credit products.
- Proven track record of achieving sales and portfolio growth targets.

Required Competencies

Functional Competencies

- Business Banking Products
- SME/MSME Banking
- Credit Assessment & Analysis
- Financial Statement Analysis
- Relationship Management
- Trade Finance & Working Capital Products
- Portfolio Management
- Sales & Business Development
- Risk & Compliance Knowledge

Behavioral Competencies

- Customer Centricity
- Result Orientation
- Relationship Building
- Negotiation Skills
- Communication & Presentation
- Problem Solving
- Analytical Thinking
- Planning & Execution
- Team Collaboration

Preferred Industry Background

- Public Sector Banks
- Private Sector Banks
- Foreign Banks
- Small Finance Banks
- NBFCs
- Financial Institutions focused on SME/MSME and Commercial Banking

Must Have Skill

Lending - Commercial/ Business Banking - Client Servicing

Valuable to Have Skill

Other Requirements

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