Area Business Manager-SME-Sales

Wholesale Banking – SME –Area Business Manager (Portfolio)

Grade – M6

Location: Mumbai

Reporting to: RBM

SME is a part of Wholesale Banking that manages lending business for Small & Medium enterprises with a turnover between 50 to 500 CR. The business is the fastest growing vertical within Wholesale Banking at Kotak and has been growing at a fast rate with a base of 3000 + customers.

Job Role:

Lead a team of Portfolio Relationship Managers, management of existing clients and acquisition of New to Bank customers in SME segment in the assigned geography.

Focus on building granularity and enhancing coverage by broadening the client base and driving risk calibrated operating profit.

Build a strong and robust customer base to increase product penetration and earn revenue by providing them high standards of service on an going basis

Enhance revenue streams through existing products and new products while maintaining the quality of portfolio

Increase penetration of cross sell corporate salary mandates, general insurance, wealth & privy accounts. Responsible for inter-functional synergies in order to tap business opportunities for cross sell basis customer needs

Drive portfolio hygiene, ensure there are no delinquencies, deferral closures on time, security creation

Build strong connection and engagement with key clients, promoters and CXOs

Drive acquisition of new clients and manage existing portfolio in SME space by offering transaction banking products such as TRADE, FOREX, CMS, WC, TL

Understanding of the credit of the company; work closely with BH/RBM/NCM/ZCM to present proposals to management for seeking approvals and deal closures with client

Continuous monitoring and review of account plans to ensure the business is as per budgets

Monitor team performance and positively inspire to achieve results

Job Requirements:

Chartered accountant/MBA, Should have 7+ years of relevant experience

Excellent networking skills

Must have knowledge of various SME banking products along with analytical and financial skills

Strong knowledge of Credit

Ability to lead and build a high performance and result oriented team

Strong communication (Written and Oral), Eye For detail

Desired personality traits: High energy levels, strong sales orientation, excellent people management skills, go-getter attitude.