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
· 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 Requirements:
Qualification – MBA and/or Professional Degree preferred
Job Knowledge and experience –
· Experience: 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
· Should be able to drive and work with a Team reporting
· Should be a Team player, Relationship person and should be ready to travel widely
· Must have on-rolls team handling experience (Need to have supervisory role experience
