Area Business Manager - Sbe - small Business Enterprise - sales

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