Area Business Manager - SBE-Small Business Enterprise-Sales at Kotak Mahindra Bank

Agra, Uttar Pradesh, India -

Full Time

Start Date

Immediate

Expiry Date

03 Jun, 26

Salary

0.0

Posted On

05 Mar, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Team Management, Client Acquisition, Portfolio Management, Working Capital Solutions, Business Loan Solutions, Relationship Management, Book Size Growth, Profitability Management, Mentoring, Channel Management, Digital Adoption, Trade Finance, Risk Mitigation, Leadership, Influencing Skills

Industry

Banking

Description

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 New 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 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 delinquency, churn, utilization etc are met at location Job Requirement * Preferably MBA/ CA * Experience: 7-8 years’ experience in the local market. Background in Credit & 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 Skill * Good influencing skills

Responsibilities

The Area Business Manager will drive a team of Relationship Managers to acquire new clients and manage/enhance existing customer portfolios by providing appropriate working capital and business loan solutions up to Rs. 100 lacs. Key duties include increasing book size and profitability, mentoring team members, managing location-level concerns, and deepening market reach through various engagement activities.