Regional Head - Small Business Banking

A Regional Head for Small Business Banking is responsible for driving the business development and growth of the SME working capital loan portfolio across a specific region. Key responsibilities include strategic leadership, team management, business development, portfolio management, relationship management, and risk and compliance management.

Role & responsibilities

• Strategic leadership & business development:

• Developing and implementing business strategies to achieve sales targets for working capital, term loans, and other SME products.
• Identifying new business development opportunities and launching new products in the market.
• Expanding market reach through strategic partnerships, expos, events, and other activities.

• Team management:

• Leading, managing, and mentoring a team of sales and relationship managers to ensure high productivity and employee satisfaction.
• Conducting sales meetings, setting individual targets, and providing regular training to the team.
• Ensuring the team provides excellent customer service.

• Portfolio management:

• Monitoring the performance of the SME loan portfolio and identifying early warning signals.
• Ensuring portfolio hygiene and achieving business targets for assets and revenue.

• Relationship management:

• Building and deepening relationships with existing SME clients to increase their business with the bank.
• Forging strong partnerships with bank branches, channel partners (like DSAs), and institutional lenders.

• Risk and compliance management:

• Ensuring all lending activities comply with bank guidelines and regulatory norms.
• Coordinating with internal risk and credit teams to ensure smooth process flows.
• Preventing fraudulent or risky proposals from entering the system.

Preferred candidate profile

• Experience:

  A proven track record in managing SME banking and working capital portfolios, with a background in finance or sales preferred.

• Leadership and people management:

  Strong skills in leading and mentoring a large, geographically spread team.

• Knowledge:

  Strong understanding of banking and financial products, credit underwriting, and regulatory guidelines.

• Communication:

  Excellent verbal and written communication skills to interact with both internal teams and external clients.

• Other skills:

  Strong sales orientation, negotiation skills, strategic thinking, and the ability to manage complex client situations