About This Role
This Area Business Manager role involves leading a team focused on acquiring new clients and managing existing customer portfolios within the Working Capital department. The position requires building strong client relationships, driving profitability, and mentoring team members to achieve performance goals.
Responsibilities
- Drive a team of Business and/or Portfolio RMs at Area level
- Manage a team capable of new client acquisition and/or managing, maintaining, and enhancing assigned portfolios of existing customers
- Drive team for new acquisition through Branch Banking and/or customer referrals
- Build relationships with key persons (CFOs/promoters) in target segments and build client trust and confidence
- Focus on continually increasing the book size, SOH, and profitability of the location
- Inculcate in team members an understanding of client business models, trade-related activities, cash flows, etc., and drive identification of opportunities and growing client relationships
- Groom and mentor team members to achieve desired performance levels (RM productivity)
- Resolve/address location level concerns
- Manage channels such as RL, Privy, Wealth
- Drive adoption of various digital initiatives at location level
- Ensure right sourcing is being done at the location
- Deepen market reach through trade meetings, industry associations, local forums, etc.
- Enhance X-sell opportunities such as KLI, KGI, CMS, etc.
- Strengthen and build a sustainable trade book with a healthy mix of importers and exporters at the location level
- Be alert to competitive elements in target segments (e.g., other banks) 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 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
Requirements
- Preferably MBA/CA
- 7-8 years of experience in the local market
- Background in Credit & Sales Knowledge
- Prior experience in driving and managing teams
- Good leadership, self-motivation, and communication skills for driving teams
