Senior Corporate Banking Professional

Job Opportunity

This position involves originating new corporate relationships and building a robust corporate banking portfolio for the bank in India. The goal is to establish a sustainable business within the bank's strategy, focusing on leading Indian companies with a presence in the GCC market and GCC clients operating in India. The bank seeks to support these corporate clients mainly for their trade flows with GCC & OECD countries.

Key Responsibilities

• Identify and segment target corporate clients to develop a sustainable corporate banking business for the bank in India.
• Establish and maintain strong relationships with decision-makers in the bank's existing/target corporate commercial relationships to originate business and meet financial targets.
• Review the portfolio in a timely manner, create an account plan, and recommend credit facilities in line with the bank's credit policy to maximize earnings while containing risk to an acceptable level.
• Initiate policy changes as necessary to suit evolving business conditions.
• Manage daily tasks of the unit, train, develop, motivate, and evaluate the unit's team.
• Coordinate with concerned groups and divisions across the bank to ensure timely delivery of required services needed in providing corporate banking products & solutions to clients.
• Stay up-to-date with the Market, Regulatory, Competitive Environment, and Industry.
• Responsible for all regulatory obligations pertaining to the corporate banking business in India including priority sector lending.
• Provide leadership and guidance to the assigned Relationship management and credit support team in India.

Operating Framework and Boundaries

• Highly competitive and relatively risk-oriented market with competition from major Local/Regional/International banks.
• The incumbent functions within identified market segments and geographical boundaries and must adhere to:
  • Local regulatory norms prescribed by the RBI and also global regulations as applicable.
  • Bank's internal credit, operational, and risk management policies and manuals.

Problem Solving

• The job requires perseverance in dealing with internal stakeholders across different cultures and dogged determination while onboarding new clients.
• Hands-on relationship management is necessary to ensure effective and timely delivery of the bank's services/products to clients through proactive interaction across the bank to attain desired customer satisfaction.
• Follow-up and close monitoring of all existing relationships are essential to ensure satisfactory account conduct, early rectification of related issues, and revenue generation.
• The job demands in-depth understanding of best practices in corporate banking and knowledge about the local banking market and regulatory framework.
• The incumbent resolves ongoing issues regarding training, development, and motivation of team members.

Decision Making Authority & Responsibility

• Achieve budgeted revenues and profit while maintaining a low-risk portfolio rating.
• Escalate any significant development to the line manager.

Required Skills and Qualifications

• Strong grounding in corporate relationship management and track record of independent handling large and mid-sized clients.
• Complete knowledge and clear understanding of the Bank's credit policy and operating systems as well as local regulations.
• Strong credit knowledge and marketing skills are mandatory.
• Knowledge of the regulatory framework in India including all relevant RBI guidelines for the corporate banking business.
• Thorough awareness of various banking products/services particularly trade finance, depth products, & Fx forwards.
• Excellent communication and analytical skills with ability to perform as a team player.
• Proven leadership qualities are an imperative, together with strong inter-personal and communication skills and ability to work in a cross-cultural environment.
• A CA/MBA is preferred with minimum corporate relationship management experience of 10-15 years.