Area Business Manager - SBE-Small Business Enterprise-Sales

Area Business Manager – Small Business

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


• To understand client’s business & provide appropriate working capital and business loan solutions across fund/ non-fund based products like Cash Credit, Demand Loan, BG etc. up to limit of Rs. 100 lacs


• 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