Business Clients Credit Senior Advisor, AVP

Role Description

Sourcing & managing relationship of high value ticket group, for Trade and Working Capital requirements.

• Sourcing channels: Sourced primarily through Deutsche Bank Branches, In-house Sales team, DBs Cross sell unit targeted at existing DB customers.
• Target segment: The PCB business in India started in 2005 and has been focusing primarily on the MSME segment and caters to clients providing lending solutions to the entire mid-corporate segment.
• Bank for Entrepreneur: From an IPB standpoint, targeting this segment is also important from a Bank for Entrepreneurs perspective, because this is where the majority of our Wealth clients would fit in, and where we would need to be present in, to cater to their Lending and Business Banking requirements. Therefore, specifically for WM clients, we would consider exceeding the Sales turnover threshold defined in the previous paragraph, on a case-specific basis. Work closely with Private Wealth Teams to provide Business Banking Solutions to the Entrepreneurs who are banking with DB in personal capacity. Thus enhancing the wallet share of DB.

Your key responsibilities

• Acquire new to bank Trade & Forex clients. Acquire new business lending clients.
• Ensure healthy growth of Working Capital Book, CA floats and Trade & FX revenues.
• Maximise client relationship by way of upsell and cross sell of various banking products such as Investments, Insurance, etc.
• Ensure growth of revenues as per bank policy with focus on reduced risks.
• Have robust Relationship management model. Focus on managing the client relationships and ensuring healthy revenue growth. Ensure the regulatory and compliance asks are fulfilled. Monitor the client business and performance for early warning signs if any. Work closely with PWM and CIB teams to generate leads and ensure we stand out as Bank for the Enterpreneur. We not only look at company relationships but also individual relationships for High Networth Clients.
• The job requires monitoring the hygiene factors such as Stock Statements, Site Visit reports, Churning in accounts, Renewals, Early Warning Signals etc in order for the portfolio to perform well
• Co-ordinate with the Trade Product team, Local Travel Desk, GTB Trade Operations team, Remittance Department and Trade Operations team to ensure client requests are taken care of on priority.
• Co-ordinate with Loan operations team for processes to be followed for funded facilities .
• Liasoning with all operations team for documentations related to trade & lending transactions .
• Ensure top class service delivery to clients to be in line with the best in the industry
• Be in constant touch with HNI clientele and address their trade requirements
• Disseminating research views and market information.

Your skills and experience

• At least 15+ years of work experience in Emerging Enterprises and Business clients.
• The resource should have experience in Trade, Working Capital, Cash Management, Bill discounting etc. to support new transactions.
• This role also needs the person to be well conversant with Trade and Trade Guidelines (UCP/FEMA) in order to be able to support the client transactions.
• The candidate must possess exceptional communication and interpersonal skills.
• The candidate must at least be a Post Graduate
• The candidate should possess the skill sets to handle customer queries and keep upto customer commitments and should have a fair knowledge on Banking processes pertaining to day to day operations and rules.
• Effective monitoring of the portfolio is also important from regulatory point of view as per RBI guidelines.
• Understanding of markets, economy, businesses.
• Understanding financial statements and balance sheets.