AU SMALL FINANCE BANK | Business Manager | chennai

1 month ago

chennai, India AU SMALL FINANCE BANK Full time

Role: Regional Business Manager Business Banking, Chennai

Vertical: Business Banking

Department: Sales

Relevant Experience:- 10+ years of Business Banking experience

Functional Competencies:

  • To have a good understanding of credit, financial statements, ratios, and business models to ensure health growth rate with a robust quality book
  • Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.

Job Responsibilities:- Financial

  • To monitor the P&L of his region, being the P&L owner of that region
  • To ensure to maintain highest level of service to the clients and ensure 100% renewal in Year 2 of acquisition
  • To drive CASA acquisition of Business Banking customers
  • To monitor the portfolio closely and to ensure that the yield, delinquency, and fee income target is duly met

Non-Financial Responsibilities

  • To travel extensively in the defined region, for a minimum of 11 working days in a month
  • Manage a set of Cluster Heads in the defined region to establish new borrowing relationships for Business Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.
  • To track the coverage of clients by the Acquisitions Team in the given territory and closely track their Daily Call Reports to monitor desired productivity
  • Should meet all the big clients in his region and establish relationship with them
  • To identify and chase the opportunities within the region and drive the team to chase it
  • To Liaison closely with Product and Portfolio Head and Regional Credit Manager/National Credit Manager to devise better products and minimize delinquency with a healthy business growth rate
  • To monitor the customer origination and delinquency for each Cluster closely and guide them accordingly
  • To handhold the team to ensure that they are trained well and make the right pitch to the clients
  • To research companies, the segment they operate in and the industry they belong to. Study trends of industry and analyze the competition to confidently present new lines to the clients and instill trust with your extensive knowledge of their industry.


Compliance & Risk Responsibilities

  • Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable level
  • Implement and maintain complete control aspects i.e., financial analysis of statements of accounts, documentation, periodical client visits call reports.


Behavioral Competencies:

  • Should have good analytical skills
  • People Management Skills
  • Good written and verbal communication skills
  • Good presentation and negotiation skills
  • Good networking skills
  • Eye for detail and identification of early warning signals.

Qualification: Bachelor's degree in business/Chartered Accountant/Cost Accountant

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