Area Branch Manager Small Business Enterprises

Intellectual Capital HR Consulting Pvt. Ltd.; Chandigarh; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Senior Relationship Manager to lead a team of RMs at the area level, driving new client acquisition and managing an existing portfolio.

The role focuses on understanding client business, providing working capital and loan solutions, building relationships with CFOs and promoters, and expanding market reach through trade associations and local forums. Apply to join a high-performing team.

Qualifications

• MBA/CA preferred
• 7–8 years in local market (credit & sales)
• Experience driving and managing teams
• Strong leadership and communication
• Relationship management skills
• Influencing skills

Responsibilities

• Drive a team of RMs at Area level to grow business
• Manage a team that drives new client acquisition and maintains portfolio
• Understand clients' business to provide working capital and loan solutions
• Build relationships with CFOs/promoters in target segments
• Deepen market reach through trade meetings and local forums
• Drive adoption of digital initiatives at location
• Ensure timely onboarding, processing, and renewals
• Improve efficiency by benchmarking best practices

Skills

Team leadership

Credit & sales

Client relationships

Strategic thinking

Negotiation

Communication skills

Business acumen

Education

MBA/CA

Job description

Department: Small Business Enterprise (SBE)

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 clients 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