Area Business Manager - WC-SALARIED PL AND WORKING CAPITAL-Sales

Area Business Manager - WC

Department Working Capital (WC)

Location

Reporting Relationship Will have team reporting to him. Will report to RBM

Position Grade M5/M6

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

. 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