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The Role
Manage SME lending business, ensuring portfolio quality, revenue growth, and client relationships while collaborating with internal teams to streamline operations. Lead strategic growth initiatives in complex geographies for high-value clients.
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
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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.
