Regional Business Manager-SME-Sales

Wholesale Banking – SME –Regional Business Manager (Acquisition)

Grade – M8 

Location: Delhi, Aerocity 

Reporting to: National Acquisition Manager

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 Area Business Managers and indirectly team of Acquisition Relationship Managers and spearhead acquisition of New to Bank customers in SME segment in the assigned geography across channels. Responsible for P&L
• Collaborate with captive channels like branch banking, wealth, privy etc. for lead origination. Build rapport with channels and ensure maximum lead origination
• 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
• Drive penetration of cross sell corporate salary mandates, general insurance, mediclaim, wealth & privy accounts. Responsible for inter-functional synergies in order to tap business opportunities for cross sell basis customer needs
• 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 
• Expand business to new geography and penetrate existing geography
• Understanding of  the credit of the company; work closely with BH/NCM/ZCM to present proposals to management for seeking approvals and deal closures with client 
• Drive efficiency by monitoring & overseeing continuous improvement of processes
• Monitor team performance and positively inspire to achieve results

 Job Requirements:

• Chartered accountant/MBA, Should have 14+ years of relevant experience
• Must have been in a leadership role for 4+ years
• 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.