Team Leader AVP- Mid Corporates & SME Banking

Quotient Consultancy
  • Pune
  • 25-30 lakh
  • 10-20 years
  • 438 Views
  • 26 May 2015
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  • Sales/ Business Development/ Account Management

  • Banking - Retail
Job Description

To lead a team, acquire and build a well diversified portfolio within the IBG 3+, IBG 3- and IBG 4 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.


To directly lead a team & source New to Bank IBG 3+, IBG 3- and IBG 4 relationships (Portfolio up

to 900Crs)

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.
To lead a team and Source New to Bank customers and build the IBG 3+, IBG 3- and IBG 4

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.

Overall around 12 years of experience in sales.

3 - 4 years of sales experience in SME / Mid market lending.

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 Mid market / SME segment, with reference to customer

preferences and requirement would be preferable.

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.

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

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

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.


Drive Performance Through Value Based Propositions

Ensure Customer Focus by Delighting Customers & Reduce Complaints

Build Pride and Passion to Protect, Maintain and Enhance DBS' Reputation

Enhance Knowledge Base, Build Skill Sets & Develop Competencies

Invest in Team Building & Motivation through Ideation & Innovation

Execute at Speed While Maintaining Error Free Operations

Develop a Passion for Performance to Grow Talent Pool

Maintain the Highest Standards of Honesty and Integrity


Competencies/Skill sets for this job

Banking Portfolio Sales Self-driven Kyc Money Laundering

Job Posted By

About Organisation

Quotient Consultancy