Area Business Manager Small Business Enterprises

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a seasoned professional to lead a team of Relationship Managers at the area level in the Small Business Enterprise segment.

The role focuses on new client acquisition, portfolio management, and driving revenue through credit and sales of working capital and business loan solutions. The candidate should have strong leadership, relationship-building skills with CFOs/promoters, and a track record of achieving book size growth, profitability, and

Qualifications

• MBA or Chartered Accountant (CA) preferred.
• 7–8 years of experience in the local market with Credit & Sales background.
• Proven ability to drive and manage teams and deliver results.

Responsibilities

• Drive a team of Relationship Managers at Area level.
• Lead new client acquisition and management of existing portfolios.
• Provide working capital and business loan solutions (Cash Credit, Demand Loan, BG, etc.).
• Engage with CFOs/promoters in target segments to build trust and relationships.
• Enhance book size, profitability, and risk management at the location.

Skills

Leadership

Team management

Relationship management

Communication

Sales

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