Area Branch Manager Small Business Enterprises

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Gurugram seeks a Senior Area Leader to drive a team of Relationship Managers at the Area level, focusing on growth of new clients and managing an assigned portfolio.

The role emphasizes understanding clients' businesses, providing working capital and loan solutions up to Rs. 100 lacs, and strengthening Kotak Bank's brand presence through channel management and trade engagement.

Qualifications

• MBA/CA qualification preferred.
• 7–8 years of local market experience in credit and sales.
• Experience driving and managing teams.
• Strong leadership, motivation and communication skills.

Responsibilities

• Lead a team of RMs at Area level to drive business.
• Drive new client acquisition and manage existing portfolio.
• Develop working capital and loan solutions up to Rs. 100 lacs.
• Build relationships with CFOs/promoters in target segments.
• Oversee channel management and digital initiatives at the location.

Skills

Team leadership

Relationship management

Communication skills

Sales and business development

Strategic thinking

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