Elite Area Business Manager – Working Capital Full Time

Role: Elite Area Business Manager – Working Capital

Location: Mumbai, Maharashtra

Job Role:

• To drive a team of Business and/or Portfolio RMs at Area level.
• To manage a team who can drive New Client Acquisition and/or manage, maintain and enhance assigned portfolio of existing customers.
• Drive team for new acquisition through Branch Banking and/or Customer referrals.
• To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.
• Focus to continually increase 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 location level.
• To ensure right sourcing is being done at the location.
• Deepen our market reach through trade meeting, industry associations, local forums etc.
• Enhance X-sell opportunities such as KLI, KGI, CMS etc.
• Strengthen and build sustainable trade book with healthy mix of importers and exporters at location level.
• To be alert on competitive elements in the target segments (viz. other banks etc.) & 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 & 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 delinquency, churn, utilization etc are met at location.

Job Requirement:

• Preferably MBA/ CA.
• Experience: 7-8 years’ experience in the local market. Background in Credit & 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 Skill.
• Good influencing skills.