Job Description

Key Responsibilities:
Business Development & Revenue Growth
Drive Working Capital product penetration (CC, OD, Term Loans, Bill Discounting, Trade Finance, BG, LC, etc.) within the cluster.
Achieve assigned revenue, asset, and liability targets.
Develop and execute strategies to expand customer base (SMEs, Mid-corporates, Large Corporates).
Monitor competitor activities and market trends to identify business opportunities.
Team Leadership & Management
Lead, mentor, and manage a team of Relationship Managers and Product Sales Managers.
Build productivity and capability of the sales team through regular training and joint calls.
Ensure adherence to sales processes, compliance, and risk policies.
Drive performance reviews and goal achievement within the team.
Client Relationship & Portfolio Management
Build and maintain strong client relationships to maximize wallet share.
Ensure high customer satisfaction through timely service and solutions.
Monitor credit portfolio health and proactively manage risks.
Work closely with Credit & Risk teams for credit appraisal, sanctioning, and monitoring.
Cross-functional Collaboration
Coordinate with Trade Finance, Treasury, Operations, and Credit teams for smooth transaction execution.
Partner with product teams to design customized solutions for clients.
Drive cross-sell of other banking products (CASA, Insurance, FX, Wealth, Digital Solutions).
Key Performance Indicators (KPIs):
Growth in Working Capital book within the cluster.
Achievement of revenue, liability, and fee income targets.
Portfolio quality (low delinquency, NPAs).
Employee productivity and retention.
Customer satisfaction and retention rate.
Qualifications & Skills:
Graduate / MBA / CA with 10-15 years of experience in Corporate/SME Banking.
Strong understanding of Working Capital financing, trade products, and credit assessment.
Proven leadership and people management skills.
Excellent communication, negotiation, and relationship-building skills.
Ability to drive business in a competitive environment while ensuring compliance.

Skills Required