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JOB DESCRIPTION
Role: Regional Business Manager – Small Business Enterprise (SBE)
Reporting To: ZBM / Regional Business Head
Job Description
Lead and manage the overall SBE business for the assigned region.
Manage, mentor and develop Area Business Managers, ensuring the achievement of business, revenue and profitability targets.
Drive regional growth across Working Capital, LAP, Business Loans and other SBE products and propositions.
Ensure effective management and performance of sales teams through ABMs.
Drive customer acquisition, portfolio growth, cross-selling and deepening of existing customer relationships.
Establish and maintain strong relationships with key customers, promoters, CFOs and other decision-makers.
Develop and strengthen relationships with DSAs, Branch Banking teams, manufacturers, vendors and other sourcing partners.
Monitor the regional sales pipeline, team productivity, portfolio size, disbursements and portfolio quality.
Identify new markets and business opportunities to enhance the penetration and visibility of the Kotak brand.
Collaborate closely with Credit, Risk, Operations and other stakeholders to ensure seamless business execution.
Maintain a strong focus on portfolio quality, profitability and sustainable business growth.
Conduct regular performance reviews of ABMs and provide coaching, guidance and support to enhance team productivity.
Ensure strict adherence to internal policies, processes, regulatory guidelines and compliance requirements.
Job Requirements
Postgraduate degree; MBA preferred.
8–12 years of experience in SBE/SME, Working Capital, Business Banking, LAP or related banking and financial services businesses.
Proven experience in regional sales leadership and team management.
Experience managing multiple teams and locations through second-line managers.
Strong understanding of SME/SBE customer segments, business models, cash flows and credit requirements.
Excellent communication, interpersonal, presentation and leadership skills.
Strong market knowledge, with the ability to build and manage extensive customer and channel relationships.
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