Team Leader - Corporate Banking - Mid Size

Job Purpose:

To lead a team, acquire and build a well diversified portfolio within the IBG 3- segment. The portfolio should provide revenue from diversified sources such as assets, trade, cash, treasury, fees etc. and the portfolio should lead to healthy income with an acceptable risk to the bank. Relationship Manager is expected to deliver these results in accordance with the lending guidelines prescribed by the bank.

Key Responsibilities:

To directly lead a team & source New to Bank IBG 3- relationships (Portfolio up to 300Crs)

Build a diversified portfolio offering revenues from asset, trade, cash, treasury, fees etc.

Asset opportunities to be sourced aligned to the bank's lending norms

Maintain high level of quality and consistency while proposing various facilities for the customer.

Maintain nil delinquency in the accounts sourced.

Cross sell of trade, cash management and foreign exchange related facilities.

Build a diversified portfolio and reduce concentration risk in the portfolio.

Regular feedback to the credit and portfolio team about various developments in the client's business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified.

Help the branch in building liabilities book through these new to bank relationships.

Implement & execute SME business strategy to increase market share & to achieve targets consistent with SME's revenue, ROE & Cost / Income ratio targets.

Regular Tracking of progress on the agreed key metrics towards delivering on the strategy.

Track developments in the respective markets and provide feedback to the Branch Manager and the central team.

Job Duties & Responsibilities

(List the principal duties. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity and analysis performed in this position.)

To lead a team and Source New to Bank customers and build the IBG 3- segment by selling asset, trade, cash management and forex etc. to the customers.

On board customers with a fine balance of expected income and acceptable risk.

Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the bank.

Thorough monitoring of accounts sourced.

Keep track on customer's business and report any early warning signals.

Ensure that the covenants and conditions prescribed by the credit team are consistently met.

Adherence to strict KYC/AML requirements.

MIS to be provided to the central team for further reporting, within the stipulated guidelines.

Required Experience

Overall around 8-12 years of experience in sales.

8 - 10 years of sales experience in SME/Business Banking market lending. (preferably INR 100 M to INR 300 M segment)

Proven sales track record in asset business in the SME/Business Banking segment.

Knowledge of competitors and market place

Market knowledge and experience in the Business Banking / SME segment, with reference to customer preferences and requirement would be preferable.

Education / Preferred Qualifications

An MBA or CA with relevant number of years of experience in banking and specifically in selling asset products in the SME/Business Banking segment.

Core Competencies

Good written and verbal communication skills

Good Analytical skills.

Self-driven and highly ambitious

Results-orientated & the ability to handle pressure

Relationship building & management skills

Understanding of competitive positioning

Comfortable with tight deadlines

Technical Competencies

Sound understanding of asset products and associated technology platforms and operational procedures

Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.

Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients

Work Relationship

Close interaction with Branch managers / Central team and other stakeholders to ensure consistent on boarding of good quality customers and thereby delivery of sales targets.

Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer.

Interested talents please inbox your updated CV along with CTC details or call on 011 - 48888533

K Kumar
Sr Account Manager
New Era India Consultancy Pvt Ltd
New Delhi