Cluster Business Leader ( Working Capital )

Core Responsibilities :-

Responsible to build SME business according to business strategy

Achieving sales target in line with business strategy of cluster

Understanding the cluster requirements and working closely with the team of SL/RL to achieve the business objective

Develop and share MIS for understanding the market and for effective functioning of the cluster

Focus on offering financial solutions to the SME segment for their asset/liability needs

Working closely with the Credit/Risk team to drive business using appropriate sourcing strategy according to the dynamic market conditions

Identify Cross Sell (Trade/CMS/Direct Banking/Forex/YCOPs) opportunities in each asset client and derive strategies to maximize profitability

People and Team Management including career management, coaching and mentoring of critical talent in the team

Market mapping of cluster, strategies for expansion of market base and proactively working towards development of new products/markets along with Product Development Team.

People Management or Self-Management Responsibilities Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the section.

Develops talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals.

Risk and Internal Control Responsibilities Implements the risk policies and processes (operational, regulatory, financial, informational, reputational and audit risks), ensuring that that these meet regulatory and internal requirements.

Implements the internal control systems in the department and participates in the departmental audits.

Implements practices to bridge gaps identified during departmental audits.

SECTION IV: KEY INTERACTIONS

Key Internal Interactions Purpose of Interaction

Risk Management For coordinating on all aspects to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client

Branch Banking For coordinating on acquisition of Newto–Bank Business Banking MSME relationships through the CRM.

Key External Interactions Purpose of Interaction

MSME Associations For coordinating on acquisition of New–to–Bank Business Banking MSME relationships through the Knowledge Banking approach.

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications Bachelor’s degree in any field

Master’s degree in Financial Management is preferred

Professional Certifications CA/CFA is preferred

AMFI/NCFM/IRDA certifications will be an added advantage

Language Skills Written and spoken English is essential

EXPERIENCE

Years of Experience A minimum of 8-14 years of relevant experience with at least 5-7 years in a similar role

Nature of

Experience Prior experience in Banking/NBFC in Working Capital/LAP/Mortgages

SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS

BEHAVIORAL COMPETENCIES

Core Competencies Competency Name Behaviors

• Customer Focus Listens to and demonstrates an understanding of customers’ stated and unstated needs

Delivers customer value through timely and quality execution of tailored customer solutions

Identifies problems, critically reviews facts, identifies root causes and derives practical solutions

• Professional Entrepreneurship Seeks out new challenges, secures resources and work towards achievement of success

Displays ownership for team and personal commitments including outcomes of incorrect decisions

• Drive for Results Takes effective decisions for the function/ team, focusing on the short to medium term objectives

Displays a high sense of initiative and urgency towards delivering results on time

Raises bar for self- performance in delivery of results while ensuring adherence to stated timelines

• Influence and Impact Effectively uses positive influencers and counters negative influencers to meet his objective in a situation

Develops strong customer relationships by ensuring care and responsiveness in all interactions

• Quality Focus Identifies sources of errors or aspects impacting quality of work/service delivery and determines a course of action to prevent their recurrence

Strives to continuously improve existing process and devise new ways of doing things within own sphere of operation to enhance efficiency in operations and processes

Leadership Competencies Competency Name Behaviors

TECHNICAL COMPETENCIES

Technical Competencies Strong written and verbal communication skills

Fully conversant with MS Office

Excellent networking & interpersonal skills

Manage a team and drive them to achieve the business volumes at the cluster level

Manage diverse sourcing channels including the Branch

Strong Decision making ability

Ability to manage complex client situations

Sensitive to issues of confidentially and compliance

Strong sense of accountability and self-initiative

Good Market knowledge of ‘Business Banking’

Good knowledge of regulatory guidelines