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.