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The Role
The role involves managing the SME business distribution, driving growth, ensuring compliance, maintaining portfolio health, and building client relationships in complex geographical areas.
Summary Generated by Built In
- Manage business and distribution for SME business within Business Lending Group for complex geograhpical locations (bigger geographical areas with multiple districts and business pockets) with different business dynamics.
- The business will cater to clients with turnover over 100 Crs, these will be majorly High Value Clients who provide significant revenue and growth opportunities
- Ensuring overall portfolio and revenue targets are met.
- Building profitable franchise for SME.
- Manage and arrest slippage and maintain portfolio quality
- Collaborating with lenders to customise lending solutions
- Managing front line sales for driving business
- Managing key/strategic relation like channels like Branch & other channels for creating lead funnel.
- Client Relationship Management in terms of risk & compliance
- Building sourcing channel with sharp focus on sourcing through branch
- Lead and manage the financial health and strategic growth of SMEs with ₹100+ Cr turnover and ₹15–50+ Cr credit exposure
- Enhancing profitability through revenue growth & cost control
- Promoting fee-based products like CMS, TFx, & EXIM
- Developing growth strategies for BBG & EEG segments across geographies
- Ensuring compliance with covenant monitoring & audit adherence
- Maintaining portfolio health by managing SMA & NPA
- Collaborating with credit, operations, risk, IT, & compliance teams to streamline processes
- Increasing CASA & TD penetration
- Expanding business into new regions
- Structuring complex credit facilities tailored to borrower needs
- Reviewing TAT & FTNR controls
- Navigating complex business cases with legal & technical expertise
- Presenting credit proposals to sanctioning authorities
- Overseeing the credit delivery ecosystem for optimal performance
Qualification required: Graduate/ Post Graduate
Min Exp: 12 - 15 Years
Max Exp: 18 - 20 Years
Skills Required
- Graduate/Post Graduate degree
- 12-20 years of experience in business management and finance
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The Company
What We Do
CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.
