Area Business Manager – WC Department Working Capital (WC) Location Reporting Relationship Will have team reporting to him. Will report to RBM Position Grade M5/M6 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 Requirement • Preferably MBA/ CA • Experience: 7-8 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