Area Business Manager

8 hours ago

Ludhiana, Punjab, India JPMorgan Chase Full time ₹ 10,00,000 per year

Area Business Manager – Small Business

Job Role

  • To drive a team of Business and/or Portfolio RMs at Area level
  • To manage a team who can drive New Client Acquisition and/or manage, maintain and enhance assigned portfolio of existing customers
  • To understand client's business & provide appropriate working capital and business loan solutions across fund/ non-fund based products like Cash Credit, Demand Loan, BG etc. up to limit of Rs. 100 lacs
  • Drive team for new acquisition through Branch Banking and/or Customer referrals
  • To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.
  • Focus to continually increase the Book size, SOH and profitability of the Location
  • To inculcate in team members understanding of client business models, trade related activities, cash flows etc. and drive identification of opportunities and growing client relationships.
  • Grooming and mentoring team members so that they achieve their desired performance levels (RM productivity)
  • Resolving/Addressing location level concerns
  • Channel Management viz RL, Privy, Wealth etc
  • Drive adoption of various digital initiatives at location level
  • To ensure right sourcing is being done at the location
  • Deepen our market reach through trade meeting, industry associations, local forums etc.
  • Enhance X-sell opportunities such as KLI, KGI, CMS etc
  • Strengthen and build sustainable trade book with healthy mix of importers and exporters at location level
  • To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market
  • Drive high caliber client service from the Team
  • Manage TAT for the location within specified levels for all aspects such as client onboarding, processing of customer requests, renewals etc
  • Improve efficiency by monitoring & overseeing continuous improvement of processes.
  • Benchmark and adopt best practices used in the Industry to further build efficiency at the location
  • Constantly share rapport with the operating units to customize and develop solutions
  • Mitigate risks and manage them actively
  • Ensure hygiene parameters such delinquency, churn, utilization etc are met at location

Job Requirement

  • Preferably MBA/ CA
  • Experience: 7-8 years' experience in the local market. Background in Credit & Sales Knowledge is required. Prior experience of driving and managing Teams is required.
  • Good Leadership, Self-motivation and communication skills for driving Teams
  • Relationship Management Skill
  • Good influencing skills

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