Area Business Manager - SBE

	Small Business Enterprise (SBE)

	Will have team reporting to him. Will report to RBM
	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
To understand client's business & provide appropriate working capital and business loan solutions across fund/ non-fund based products like Cash Credit, Demand Loan, BG etc. up to limit of Rs. 100 lacs
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
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

Job Requirement

Area Business Manager_Business Loans_0412_1459_1043068_HRR