Job Description

Role/ Job Title: Zonal Head - Commercial Banking
Function/ Department: Commercial Banking
Job Purpose:
Drive regional business development, revenue, and profitability by expanding the mid?corporate client base and increasing wallet share, while ensuring portfolio quality, regulatory compliance, and operational excellence. Translate corporate banking strategy into actionable regional plans, develop and coach RMs, and orchestrate cross?functional delivery for superior client outcomes.
Roles & Responsibilities:

• Drive revenue and profitability by expanding the commercial client base and increasing wallet share.
• Identify and pursue new business opportunities for fund-based and non-fund-based products.
• Build strong relationships with key decision-makers to ensure client engagement and growth.
• Develop and execute regional business strategies aligned with the bank's objectives.
• Monitor market trends, competitor activities, and regulatory updates to adjust strategies.
• Translate corporate banking strategies into actionable plans for the zone Meet income targets from interest and fee-based products for both assets and liabilities.
• Ensure client satisfaction by delivering tailored banking solutions and resolving escalated issues promptly.
• Conduct regular client meetings to assess needs and provide proactive financial solutions.
• Oversee client retention strategies and monitor feedback for service improvements.
• Lead, mentor, and manage a team of Relationship Managers (RMs) to achieve performance targets.
• Conduct performance reviews, identify training needs, and foster a high-performance culture.
• Regularly track team performance against KRAs, including revenue growth, client acquisition, and portfolio quality.
• Drive professional development and skill enhancement within the team.
• Monitor portfolio quality, minimize NPAs, and ensure compliance with risk policies.
• Streamline processes to improve operational efficiency and reduce turnaround times.
• Oversee the implementation of client mandates and ensure timely delivery of solutions.
• Work with internal teams (credit, operations, legal, compliance) to ensure seamless service delivery.
• Facilitate coordination between business units to enhance client service and product delivery.

Skills Required