Area Business Manager Working Capital

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 1,400,000 - 2,200,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks an Area Business Manager for Working Capital in Mumbai and Bangalore. You will lead a team of relationship managers at the area level, drive new client acquisition, and manage the existing customer portfolio with a focus on profitability and growth.

The role requires 7-8 years in the local market, with a background in credit and sales, and strong leadership and stakeholder management abilities. MBA/CA qualifications are preferred.

Qualifications

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

Responsibilities

• 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 and enhance the existing portfolio.
• Drive team for new acquisition through Branch Banking and/or referrals.
• Build relationships with CFOs/Promoters in target segments and build client trust.
• Increase the book size, share of wallet, and profitability of the location.
• Mentor team members to achieve high RM productivity and performance.

Skills

Leadership

Communication

Relationship management

Stakeholder management

Team management

Education

MBA/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.