Zonal Head - Commercial Banking

Job Requirements

Role/ Job Title:

Function/ Department:

Job Purpose

Roles & Responsibilities

• Drive revenue and profitability by expanding the commercial client base and increasing wallet share.
• Identify and pursue new business opportunities for fund-based and non-fund-based products.
• Build strong relationships with key decision-makers to ensure client engagement and growth.
• Develop and execute regional business strategies aligned with the bank’s objectives.
• Monitor market trends, competitor activities, and regulatory updates to adjust strategies.
• Translate corporate banking strategies into actionable plans for the zone Meet income targets from interest and fee-based products for both assets and liabilities.
• Ensure client satisfaction by delivering tailored banking solutions and resolving escalated issues promptly.
• Conduct regular client meetings to assess needs and provide proactive financial solutions.
• Oversee client retention strategies and monitor feedback for service improvements.
• Lead, mentor, and manage a team of Relationship Managers (RMs) to achieve performance targets.
• Conduct performance reviews, identify training needs, and foster a high-performance culture.
• Regularly track team performance against KRAs, including revenue growth, client acquisition, and portfolio quality.
• Drive professional development and skill enhancement within the team.
• Monitor portfolio quality, minimize NPAs, and ensure compliance with risk policies.
• Streamline processes to improve operational efficiency and reduce turnaround times.
• Oversee the implementation of client mandates and ensure timely delivery of solutions.
• Work with internal teams (credit, operations, legal, compliance) to ensure seamless service delivery.
• Facilitate coordination between business units to enhance client service and product delivery.
• Provide regular updates to senior management on performance and market opportunities.
• Own regional pricing discipline and exception governance within policy thresholds.
• Provide sector intelligence and competitor benchmarking; propose focus‑sector playbooks.
• Represent the bank at regional forums, industry bodies, and client events; build brand visibility.
• Support audits/compliance reviews; close observations within timelines.
  

Education Qualification

Experience: