Area Branch Manager Small Business Enterprises

Intellectual Capital HR Consulting Pvt. Ltd.; Lucknow; Presencial; INR 1 200 000 - 2 400 000; Tempo integral

Resumo da oferta

Intellectual Capital HR Consulting Pvt. Ltd. is recruiting for a leadership role in Lucknow to drive a team of relationship managers. You will steer new client acquisition and portfolio management, offering working capital and loan solutions across fund/non-fund products, and push growth targets for the location.

The role requires 7–8 years in Credit & Sales, with MBA/CA preferred, and strong leadership and relationship management abilities to build client trust and scale business.

Qualificações

• MBA/CA preferred.
• 7-8 years of local market experience in Credit & Sales.
• Experience driving and managing teams is required.
• Strong leadership, motivation, and communication skills.

Responsabilidades

• Drive a team of Area-level RMs to acquire new clients and manage portfolios.
• Understand clients' business to provide working capital and loan solutions.
• Grow book size, SOH, and profitability at the location.
• Mentor team members to achieve performance levels and maintain service standards.
• Manage onboarding, processing, renewals, and location-level risks.

Conhecimentos

Leadership

Communication

Relationship management

Influencing skills

Self-motivation

Formação académica

MBA/CA

Descrição da oferta de emprego

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