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

Job description

Description: JOB DESCRIPTION Role: Regional Business Manager – Small Business Enterprise (SBE) Reporting To: ZBM / Regional Business Head Job Description - Lead and manage the overall SBE business for the assigned region. - Manage, mentor and develop Area Business Managers, ensuring the achievement of business, revenue and profitability targets. - Drive regional growth across Working Capital, LAP, Business Loans and other SBE products and propositions. - Ensure effective management and performance of sales teams through ABMs. - Drive customer acquisition, portfolio growth, cross-selling and deepening of existing customer relationships. - Establish and maintain strong relationships with key customers, promoters, CFOs and other decision-makers. - Develop and strengthen relationships with DSAs, Branch Banking teams, manufacturers, vendors and other sourcing partners. - Monitor the regional sales pipeline, team productivity, portfolio size, disbursements and portfolio quality. - Identify new markets and business opportunities to enhance the penetration and visibility of the Kotak brand. - Collaborate closely with Credit, Risk, Operations and other stakeholders to ensure seamless business execution. - Maintain a strong focus on portfolio quality, profitability and sustainable business growth. - Conduct regular performance reviews of ABMs and provide coaching, guidance and support to enhance team productivity. - Ensure strict adherence to internal policies, processes, regulatory guidelines and compliance requirements. Job Requirements - Postgraduate degree; MBA preferred. - 8–12 years of experience in SBE/SME, Working Capital, Business Banking, LAP or related banking and financial services businesses. - Proven experience in regional sales leadership and team management. - Experience managing multiple teams and locations through second-line managers. - Strong understanding of SME/SBE customer segments, business models, cash flows and credit requirements. - Excellent communication, interpersonal, presentation and leadership skills. - Strong market knowledge, with the ability to build and manage extensive customer and channel relationships.