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Area Business Manager-Portfolio-AGRI-FIN-PROJECTS (AF)-Marketing Branches O at Kotak Mahindra Bank

Ludhiana, Punjab, India -

Full Time

Start Date

Immediate

Expiry Date

02 Sep, 26

Salary

0.0

Posted On

04 Jun, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Portfolio Management, Relationship Management, Leadership, SME Funding, Credit Risk Analysis, Cross Selling, Working Capital Management, Term Loan Facilities, Communication Skills, Market Analysis

Industry

Banking

Description

Area Business Manager-Portfolio-Agri Business Group (ABG)-Marketing Branches Operations JOB DESCRIPTION Job Title Area Business Manager (Grade – M5 / M6 – Chief Manager/ AVP) * Manage team of Portfolio Managers to manage and grow existing portfolio of customers in Agri SME space. * Acceptable knowledge of respective geography & ability to quickly recruit quality team members. * To manage and grow existing portfolio of customers in Agri, Food processing & MSME Industries by offering loan products in line with customer requirements of Working capital (fund based/non-fund based) & Term Loan facilities * Build a strong & robust customer base to increase both assets and liabilities, earn revenue by providing them high standards of service on an ongoing basis. * Deepening relationship with existing customers through Cross sell liability & other third party products. * Regular monitoring of accounts to ensure there are no delinquencies, portfolio hygiene, post disbursement deferrals closure in time, security perfection * To engage with Credit & risk function, legal & technical teams, RCAD & GR team for customer requirements & collaborate with internal bank channels for deepening customer base. * Improve efficiency by monitoring & suggesting improvement in processes basis ground reality & market trends. Job Requirements Job Role * CA / Post Graduate Diploma / Post Graduate in Banking and Finance / Commerce etc. * Strong oral and written Communication * Relationship Management Skill * Leadership Skills * Local Market Knowledge will be an added advantage * Minimum SME funding & portfolio management work experience 5 years

Responsibilities

Manage a team of Portfolio Managers to grow and maintain a customer base in the Agri SME, food processing, and MSME sectors. Focus on increasing assets and liabilities through loan products and cross-selling while ensuring portfolio hygiene and regulatory compliance.