Territory Business Manager-SBE-Small Business Enterprise-Sales

Description
We are seeking a dynamic and experienced Team Lead to manage a team of Business Relationship Managers (BRMs) focused on loan sales in the healthcare segment. The role involves leading a team of 3–5 BRMs, driving productivity, and delivering tailored financial solutions such as machinery/equipment loans and infrastructure funding. The ideal candidate will have strong knowledge of the local market, particularly in healthcare, and will work closely with DSAs, branch banking teams, equipment manufacturers, and vendors to acquire new customers. The role also includes cross-selling banking products, building relationships with key stakeholders, and ensuring continuous process improvement and portfolio growth.

Responsibilities
Lead and manage a team of 3–5 Business Relationship Managers (BRMs).
Drive team productivity and create value for stakeholders.
Leverage local market knowledge with a focus on the healthcare segment.
Understand client businesses and offer suitable products like machinery/equipment loans and infrastructure funding.
Collaborate with DSAs, branch banking teams, and vendors for customer acquisition.
Cross-sell products such as Current Accounts, Term Deposits, Transaction Banking, and Trade Finance.
Build and maintain relationships with key decision-makers (CFOs, promoters).
Grow the assigned portfolio in terms of book size and profitability.
Analyze client business models, trade activities, and cash flows to identify growth opportunities.
Enhance Kotak’s brand presence and penetration in the target market.
Monitor and improve operational processes for better efficiency.