Area Branch Manager Small Business Enterprises

Intellectual Capital HR Consulting Pvt. Ltd.; Hyderabad; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a senior leader to drive a team of Relationship Managers at the Area level. The role focuses on new client acquisition and managing an existing portfolio, understanding client business, and offering working capital and loan solutions.

You will guide the team to increase book size, profitability, and market presence, while mentoring members to achieve high RM productivity and excellent client service.

Qualifications

• MBA/CA qualification is preferred.
• Experience in local market with credit and sales background.
• Prior experience driving and managing teams is required.
• Strong leadership, motivation and communication skills.

Responsibilities

• Lead a team of Relationship Managers at the Area level.
• Drive new client acquisition and manage a portfolio of existing clients.
• Understand clients' business and provide working capital and business loan solutions.
• Drive cross-sell of products like Cash Credit, Demand Loan, BG, etc.
• Develop relationships with CFOs/promoters and build client trust.
• Mentor team to achieve RM productivity and improve efficiency.

Skills

Team Leadership

Team Management

Relationship Management

Communication Skills

Sales Knowledge

Credit Knowledge

Banking Industry Knowledge

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