Wholesale Banking - SME -Area Business Manager (Acquisition)
Grade - M6
Location: Mumbai, Pune, Delhi, Ahmedabad, Indore, Delhi, Chandigarh, Lucknow, Kolkata, Jaipur, Bangalore, Hyderabad, Chennai
Reporting to: Regional Business Manager (Acquisition)
SME is a part of Wholesale Banking that manages lending business for Small & Medium enterprises with a turnover between 50 to 500 CR. The business is the fastest growing vertical within Wholesale Banking at Kotak and has been growing at a fast rate with a base of 3000 + customers.
Job Role
- Manage team of Acquisition Relationship Manager and acquire New to Bank customer in SME segment offering banking solutions/products (Asset based( Fund/ non Fund), Transaction Banking, Trade Finance, Treasury - FX)
- To understand client business models, trade related activities, cash flows etc. and identify opportunities and anticipate possible problems.
- Build rapport with key decision makers (promoters, CFOs etc.) of prospect customers.
- Closely working with credit team / sanctioning authority for managing client expectation and effective risk management
- To be alert on competitive elements in the target segments
- Improve efficiency by monitoring & overseeing continuous improvement of processes
- Collaborate with captive channels like branch banking, wealth, privy etc. for lead origination. Build rapport with channels and ensure maximum lead origination
- Collaborate with trade finance ,CMS, operation, treasury, legal and branch banking team for seamless customer service
- Monitoring of timely closure of deferrals and ensuring smooth handover of cases to portfolio team within stipulated timeline.
Job Requirements:
- Chartered accountant/MBA, Should have 7+ yrs. of relevant experience,
- Must have knowledge of various SME banking products along with Analytical and financial skills
- Ability to manage & build result oriented team
- Strong communication(Written and Oral), Eye For detail
