Territory Business Manager WC

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 1,500,000 - 2,700,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai seeks a Territory Business Manager for Working Capital to lead a team of Relationship Managers and drive growth in working capital solutions.

You will build relationships with CFOs/Promoters, cross-sell CC, OD, DL, LC, BG, and Import/Export Finance, while optimizing processes and ensuring high service standards.

Qualifications

• MBA or CA preferred.
• 7+ years in Working Capital, SME Banking, Corporate Banking, or Commercial Banking.

Responsibilities

• Understand client businesses and provide appropriate working capital solutions.
• Work with Branch Banking teams to acquire new customers and ensure closure of cases.
• Drive penetration of banking products across relationships and group companies.
• Build relationships with CFOs and Promoters to enhance client trust and opportunities.
• Grow portfolio size and profitability by driving business growth in key markets.
• Identify cross-sell opportunities by understanding client models and financing needs.
• Stay aware of market competition and strengthen presence in target segments.
• Deliver high standards of client servicing and relationship management.
• Lead and mentor a team of Relationship Managers and ensure targets are met.
• Monitor daily updates, pipeline, and follow-ups to ensure smooth execution.

Skills

Leadership

Relationship Mgmt

Sales

Negotiation

Business development

Credit knowledge

Education

MBA or CA

Job description

Territory Business Manager Working Capital (WC)

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

Job Role

• Understand client businesses and provide appropriate working capital solutions across fund-based and non-fund-based products such as Cash Credit (CC), Overdraft (OD), Demand Loan (DL), Bank Guarantee (BG), Letter of Credit (LC), and Import/Export Finance.
• Work closely with Branch Banking teams to acquire new customers and ensure closure of cases where Relationship Managers require support.
• Drive penetration of banking products including Current Accounts, Term Deposits, Transaction Banking, and Trade Finance across primary relationships and group companies.
• Build and strengthen relationships with key decision-makers, including CFOs and Promoters, to enhance client trust and business opportunities.
• Continuously increase portfolio size and profitability by driving business growth across key markets and business hubs.
• Understand client business models, trade cycles, cash flows, and financing requirements to identify cross-sell and relationship expansion opportunities.
• Stay updated on market competition and strengthen the organization's presence within the target segments.
• Deliver high standards of client servicing and relationship management.
• Drive operational efficiency through continuous process improvements.
• Coordinate closely with internal operating teams to develop customized banking solutions for clients.
• Lead, mentor, and manage a team of Relationship Managers while ensuring achievement of individual and team business targets.
• Monitor daily business updates, pipeline progress, follow-ups, and resolve team queries to ensure smooth execution.

Candidate Requirements

• Preferably MBA or CA.
• 7+ years of experience in the local market, preferably in Working Capital, SME Banking, Corporate Banking, or Commercial Banking.
• Strong background in Credit and Sales with the ability to structure and sell working capital solutions.
• Experience in selling products such as OD, CC, Demand Loans, LC, BG, and Import/Export Finance.
• Proven team handling and leadership experience.
• Strong relationship management and stakeholder management skills.
• Good influencing, negotiation, and business development skills.
• Excellent written and verbal communication skills.