Associate Director - Small & Medium Enterprises - Bank

Associate Director - SME ME - Bank

About the job:

Key Responsibilities:

Business:

- Responsible for onboarding new clients through various avenues including Agri NTB accounts.

- Meeting existing clients, generating leads from them, meeting CA, Consultants etc can provide output.

- Understanding the client needs and providing solutions to them so that the purpose is also solved, and revenue part is also taken care.

- Maintaining quality of the onboarded accounts by checking the health of the account on periodic basis.

- Any suspicious activity / alert in the account should be immediately identified and discussed amongst the team for taking future action.

- Sales Discipline: Timely and accurate account plans, timely updating of NTB and pipeline, and call reports.

- Delivery on RORWA commitments made whilst approving.

- Achieving assigned full year objectives as per annual P3 document.

Processes:

- Ensure adherence to all internal and external regulations.

- To embed Operational Risk monitoring as an integral part of the business process.

- Towards this, to effectively carry out the assigned role, if any, under Compliance Risk Management and Operational Risk Management Assurance.

Risk Management:

- Monitor all major risk issues and concentrations.

- Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees

Governance:

- Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business.

Regulatory & Business Conduct:

- Display exemplary conduct and live by the Group's Values and Code of Conduct.

- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct.

- This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

- Lead to achieve the outcomes set out in the Bank's Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]

- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders:

- Internal

- Risk

- CRC

- Trade Ops

- Audit

- Branches & PVB

- External

Skills And Experience :

- Financial Analysis

- Relationship Management

- Portfolio management skills

Qualifications:

- Substantial experience in the banking industry, including demonstrated success in a similar role.

- Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.

- Ability to work with geographically dispersed and highly varied stakeholders.

- At least 4-6 years of relevant experience in lending to SME's / Mid Corporates.