Job Description

SECTION I: ROLE INTRODUCT

Job Title

Team Leader

Reporting To

Zonal Head

Job Code ID

COB0G44KZ

Business Unit

Commercial Banking

Grade/ Level

G4

Sub Business Unit

Medium Enterprises

Management Band

Middle Management

Location

PAN India

Section II: JOB ROLE SCOPE

Number of Direct Reports

3-7

Financial Metrics (Budget, Revenue, etc.)

Revenue & Income Targets
Business Growth Metrics
Profitability Metrics
Budget & Target Achievement
Portfolio Quality & Risk Metrics
Customer & Relationship Metrics
Team Productivity Metrics
-

Total Team Size

5-8

SECTION III: URPOSE OF THE R

The Team Leader is responsible for driving business growth, portfolio quality, and customer engagement by leading and supporting a team of Relationship Managers and Senior Relationship Managers. The role focuses on achieving business targets, strengthening customer relationships, ensuring portfolio health, and maintaining compliance with organizational and regulatory requirements.

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE RO

Responsibilities

KPIs

Strategy and Planning

Drive Mid Corporate business growth aligned with regional and zonal objectives across Assets, Liabilities, and Revenue.
Identify business opportunities within key markets and industry segments to expand the portfolio.
Drive growth in Advances, Current Accounts, and Deposits while improving portfolio profitability.
Ensure a balanced focus on New-to-Bank (NTB) acquisition and Existing-to-Bank (ETB) relationship deepening.
Increase product penetration and cross-sell opportunities across the customer base.
Build strong client relationships to enhance wallet share and strengthen market presence.
Drive sustainable business growth while maintaining portfolio quality and governance standards.
Governance on Internal Audit
PSL (NCF/WS/SMF) focused growth - Organic
PF
Total NII (Asset + Liab)
Asset NTB
CA Growth (AYB)
Overdue Renewal
Retail Cross Sell
Trade
Fresh Slippages
Return Upliftment
FX
TL Mix
Journey TAT
Liability NTB
Governance on Exceptions
Product Penetration
Productivity
Liability Focus
Total Deposit Growth (AYB)
Advances Growth (EOP)
Non-Fund (AYB)

Policies, Processes & Procedures

Ensure adherence to regulatory, compliance, and internal policy requirements.
Ensure compliance with KYC, AML, and other banking guidelines.
Drive process efficiency and timely turnaround of customer onboarding and credit proposals.
Ensure accuracy in reporting, documentation, and data management.
Maintain strong governance and timely closure of audit and compliance observations.
Monitor policy exceptions and ensure adherence to approved processes.

Business Development

Own delivery of business targets across Assets, Liabilities, Income, and Fee Income.
Drive growth in Advances, Current Accounts, and Deposits.
Enhance wallet share across existing Mid Corporate relationships.
Increase product penetration through Trade, FX, and other banking solutions.
Drive fee income, trade income, and FX income growth.
Acquire new-to-bank customers and deepen existing relationships.
Monitor team productivity and portfolio performance.
Maintain a healthy business pipeline and ensure timely conversion of opportunities.

Performance Monitoring & Reporting

Monitor and drive achievement of cluster-level business targets across Assets, Liabilities, CASA, Fee Income, Trade, and Treasury products.
Review portfolio growth, profitability, productivity, and customer acquisition metrics across Relationship Managers within the cluster
Conduct periodic business reviews with Regional Leaders and Relationship Managers to assess performance against targets and identify improvement opportunities.
Analyze portfolio trends and provide actionable insights to enhance business performance and customer penetration.

Relationship Management

Develop and strengthen relationships with key customers, promoters, business owners, and strategic accounts across the cluster.
Monitor customer satisfaction levels and implement measures to enhance customer experience and service quality
Act as the primary escalation point for critical customer issues and ensure timely resolution through coordination with internal stakeholders.
Support Relationship Managers in handling complex client relationships, negotiations, and business opportunities.

Customer Relationship Management

Build relationships with:
Key clients and promoters
Industry bodies, trade associations, consultants
Drive ecosystem-led sourcing (CA networks, vendor-dealer chains, etc.)
Enhance customer engagement and retention through structured coverage model

Risk and Internal Control

Maintain portfolio quality within defined risk appetite
Proactively track and act on:
Early Warning Signals (EWS)
Slippages and NPA movement
Security erosion / inadequate collateral cases
Drive collateral hygiene (valuation, CERSAI, documentation)
Minimize additional provisioning impact through timely corrective actions
Ensure adherence to:
Regulatory and compliance standards
KYC / AML / trade compliance norms
Drive process efficiency and turnaround time (TAT) across onboarding & servicing
Strengthen data discipline, reporting accuracy, and governance frameworks

People Management

Lead, coach, and motivate Relationship Managers and support teams to achieve business and organizational objectives.
Drive a high-performance culture through effective goal setting, performance reviews, and regular feedback mechanisms.
Monitor individual and team productivity, identify performance gaps, and implement appropriate development plans.
Identify training and capability enhancement needs and facilitate learning interventions to strengthen functional and leadership competencies.

SECTION V: OPERATING NETWO

Internal

Risk / Credit / Underwriting teams → for limit approvals & portfolio quality

Product teams (Trade, CMS, FX) → for revenue maximization

Operations / CAD / CAG → for smooth execution

External

MSME customers, promoters

Trade associations, industry bodies

Channel partners, consultants, CA network

SECTION VI: ROLE PROFILE REQUIREMENT

Education

PG – Any specialization, CA

Knowledge of Trade Finance and Certification on same is desirable

Experience

10–18 years in Commercial Banking / MSME / Trade Finance / Mid Corporates

Minimum 4–5 years in team leadership role managing multi-layer teams

Candidate shall have experience of working in TFX Products & be well versed with banking processes.

Competencies

CORE COMPETENCIES

LEADERSHIP/ BEHAVIORAL COMPETENCIES