Area Branch Manager Small Business Enterprises

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 2,000,000 - 3,200,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a dynamic senior RM leader for the Small Business Enterprise (SBE) sector in Mumbai.

You will head a team of Relationship Managers at the Area level, focusing on new client acquisition and managing/expanding the existing portfolio with working capital and business loan solutions. The role requires MBA or CA, 7-8 years of local market experience in credit and sales, strong leadership, and excellent relationship-management and communication

Qualifications

• MBA and/or CA is preferred and highly regarded.
• 7-8 years of local market experience with background in Credit & Sales.
• Experience driving and managing teams is required.
• Strong leadership, motivation, and communication skills for leading teams.
• Solid relationship-management abilities and influencing skills.

Responsibilities

• Drive a team of Business and/or Portfolio RMs at Area level.
• Manage a team to drive New Client Acquisition and to maintain/enhance portfolios.
• Understand client business and provide working capital and business loan solutions.
• Develop cross-sell opportunities and strengthen the trade book at location level.
• Foster relationships with CFOs/promoters and key stakeholders in target segments.
• Mentor and develop team members to achieve productivity targets.

Skills

Leadership

Team management

Relationship management

Communication skills

Sales

Credit 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