Area Business Manager-Acquisition-SME-Sales

Wholesale Banking – SME –Area Business Manager (Acquisition)

Grade – M6

Location: Mumbai, Pune, Delhi, Ahmedabad, Indore, Delhi, Chandigarh, Lucknow, Kolkata, Jaipur, Bangalore, Hyderabad, Chennai

Reporting to: Regional Business Manager (Acquisition)

SME is a part of Wholesale Banking that manages lending business for Small & Medium enterprises with a turnover between 50 to 500 CR. The business is the fastest growing vertical within Wholesale Banking at Kotak and has been growing at a fast rate with a base of 3000 + customers.

Job Role

• Manage team of Acquisition Relationship Manager and acquire New to Bank customer in SME segment offering banking solutions/products (Asset based( Fund/ non Fund), Transaction Banking, Trade Finance, Treasury - FX)
• To understand client business models, trade related activities, cash flows etc. and identify opportunities and anticipate possible problems.
• Build rapport with key decision makers (promoters, CFOs etc.) of prospect customers.
• Closely working with credit team / sanctioning authority for managing client expectation and effective risk management
• To be alert on competitive elements in the target segments
• Improve efficiency by monitoring & overseeing continuous improvement of processes
• Collaborate with captive channels like branch banking, wealth, privy etc. for lead origination. Build rapport with channels and ensure maximum lead origination
• Collaborate  with trade finance ,CMS, operation, treasury, legal and branch banking team for seamless customer service  
• Monitoring of timely closure of deferrals and ensuring smooth handover of cases to portfolio team within stipulated timeline.

Job Requirements:

• Chartered accountant/MBA, Should have 7+ yrs. of relevant experience,
• Must have knowledge of various SME banking products along with Analytical  and financial skills
• Ability to manage & build result oriented team
• Strong communication(Written and Oral), Eye For detail