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.
