portfolio health through risk monitoring and loan servicing, and identifying opportunities for cross-selling and deepening client relationships. This role requires strong analytical, risk management, and sales skills, a deep understanding of business banking products, and the ability to meet business targets.

Key responsibilities

Client relationship management: Maintain and grow relationships with a portfolio of business clients, assess their financial needs, and provide appropriate solutions.
Portfolio performance and health: Monitor portfolio health by tracking interest servicing, delinquency levels, and loan utilization. Implement strategies to improve health and minimize additions to the NPA pool.
Strategic growth: Drive the achievement of business banking targets, including new customer acquisition and increasing the number of active accounts.
Sales and cross-selling: Identify and capitalize on cross-selling opportunities for products like POS (Point of Sale), CMS (Cash Management Services), and TFX (Trade Finance), and deepen relationships with existing clients.
Risk management: Monitor the portfolio for early warning signals, conduct regular credit monitoring, and highlight potential risks to internal stakeholders.
Compliance: Ensure adherence to credit policies, internal bank guidelines, and regulatory requirements.
Process improvement: Suggest changes to policies and processes to enhance customer experience.

Portfolio Manager - Business Banking