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

Job description

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