Area Business Manager Working Capital

Intellectual Capital HR Consulting Pvt. Ltd.; Ahmedabad District; On-site; INR 1,500,000 - 2,200,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks an Area Business Manager for Working Capital (WC) to lead a team of RMs at the area level in Mumbai and Bangalore.

The role focuses on acquiring new clients, expanding existing portfolios, and driving revenue growth through strategic relationship building with CFOs and key promoters. The candidate will mentor staff, manage credit and sales activities, and push digital initiatives while ensuring high service standards and robust portfolio

Qualifications

• Prefer MBA or CA.
• 7-8 years of experience in the local market.
• Background in Credit and Sales is mandatory.
• Prior experience in driving and managing teams.
• Strong leadership, self-motivation, and communication skills.
• Excellent relationship management skills.
• Good influencing and stakeholder management skills.

Responsibilities

• Drive a team of Business and/or Portfolio RMs at the Area level.
• Manage a team that can drive new client acquisition and/or manage, maintain, and enhance the portfolio of existing customers.
• Drive team for new acquisition through Branch Banking and/or customer referrals.
• Build relationships with CFOs/Promoters in target segments and build client trust.
• Increase book size, share of wallet and profitability of the location.
• Mentor team members to achieve desired performance levels.
• Resolve location-level concerns and manage channels such as Retail Liabilities, Privy, Wealth, etc.
• Drive adoption of digital initiatives at the location.
• Ensure right sourcing at the location and deepen market reach through industry forums.
• Enhance cross-sell opportunities and maintain healthy trade book.

Skills

Team leadership

Relationship management

Communication skills

Stakeholder management

Sales and credit

Education

MBA or CA

Job description

Area Business Manager Working Capital (WC)

Department: Working Capital (WC)
Location: Mumbai and Bangalore
Reporting Relationship: Will have a team reporting to the role and will report to the Regional Business Manager (RBM).

Job Role

• To drive a team of Business and/or Portfolio RMs at the Area level.
• To manage a team that can drive new client acquisition and/or manage, maintain, and enhance the assigned portfolio of existing customers.
• Drive team for new acquisition through Branch Banking and/or customer referrals.
• Build relationships with key stakeholders (CFOs/Promoters) in the target segments and build client trust and confidence.
• Continually increase the book size, share of wallet (SOW), and profitability of the location.
• Inculcate in team members an understanding of client business models, trade-related activities, cash flows, etc., and drive identification of opportunities to grow client relationships.
• Groom and mentor team members to achieve desired performance levels (RM productivity).
• Resolve and address location-level concerns.
• Manage channels such as Retail Liabilities, Privy, Wealth, etc.
• Drive adoption of various digital initiatives at the location level.
• Ensure the right sourcing is being done at the location.
• Deepen market reach through trade meetings, industry associations, local forums, etc.
• Enhance cross-sell opportunities such as KLI, KGI, CMS, etc.
• Strengthen and build a sustainable trade book with a healthy mix of importers and exporters at the location.
• Stay alert to competitive developments in the target segments (other banks, financial institutions, etc.) and strengthen the organization's presence and market penetration.
• Drive high-caliber client service from the team.
• Manage TAT for the location within specified levels for client onboarding, customer requests, renewals, etc.
• Improve efficiency by monitoring and driving continuous process improvements.
• Benchmark and adopt industry best practices to enhance operational efficiency.
• Maintain strong coordination with operating units to customize and develop client solutions.
• Mitigate risks and manage them proactively.
• Ensure key portfolio hygiene parameters such as delinquency, churn, utilization, etc., are maintained at the location.

Candidate Requirements

• Preferably MBA or CA.
• 7-8 years of experience in the local market.
• Background in Credit and Sales is mandatory.
• Prior experience in driving and managing teams.
• Strong leadership, self-motivation, and communication skills.
• Excellent relationship management skills.
• Good influencing and stakeholder management skills.