Area Business Manager – SBE - Working capital

To drive a team of Business and/or Portfolio RMs at Area level.

To manage a team that can drive New Client Acquisition and/or manage, maintain and enhance the assigned portfolio of existing customers.

To understand clients’ business and provide appropriate working capital and business loan solutions across fund/non-fund-based products like Cash Credit, Demand Loan, BG, etc., up to a limit of Rs. 100 lacs.

Drive the team for new acquisitions through Branch Banking and/or Customer referrals.

To build relationships with key persons (CFOs/promoters) in the target segments and build client trust and confidence.

Focus to continually increasing 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 the location level.

To ensure the right sourcing is being done at the location.

Deepen our market reach through trade meetings, industry associations, local forums, etc.

Enhance X-sell opportunities such as KU, KGI, CMS, etc.

Strengthen and build a sustainable trade book with a healthy mix of importers and exporters at the location level.

To be alert on competitive elements in the target segments (viz. other banks, etc.) and 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 and 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 as delinquency, churn, utilization, etc., are met at the location.

Preferably MBA/CA.

Experience: 7–8 years of experience in the local market. Background in Credit and 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 skills.

Good influencing skills.