Cluster Business Leader

ROLE INTRODUCTION

Job Title

Cluster Business Leader

Reporting To

Team Leader

Business Unit

Commercial Banking

Sub Business Unit

Medium Enterprises

Location

Noida

Section II: JOB ROLE SCOPE

Number of Direct Reports

3-7

Total Team Size

5-8

PURPOSE OF THE ROLE

The Cluster Business leader is responsible for driving business growth, portfolio quality, and customer engagement by leading and supporting a team of Relationship Managers . The role focuses on achieving business targets, strengthening customer relationships, ensuring portfolio health, and maintaining compliance with organizational and regulatory requirements.

Responsibilities

KEY RESPONSIBILITIES & KPIS OF THE ROLE

KPIs

Strategy and Planning

• Drive Mid Corporate business growth aligned with regional and zonal objectives across Assets, Liabilities, and Revenue.
• Identify business opportunities within key markets and industry segments to expand the portfolio.
• Drive growth in Advances, Current Accounts, and Deposits while improving portfolio profitability.
• Ensure a balanced focus on New-to-Bank (NTB) acquisition and Existing-to-Bank (ETB) relationship deepening.
• Increase product penetration and cross-sell opportunities across the customer base.
• Build strong client relationships to enhance wallet share and strengthen market presence.
• Drive sustainable business growth while maintaining portfolio quality and governance standards.
  
  

Policies, Processes & Procedures

• Ensure adherence to regulatory, compliance, and internal policy requirements.
• Ensure compliance with KYC, AML, and other banking guidelines.
• Drive process efficiency and timely turnaround of customer onboarding and credit proposals.
• Ensure accuracy in reporting, documentation, and data management.
• Maintain strong governance and timely closure of audit and compliance observations.
• Monitor policy exceptions and ensure adherence to approved processes.
  
  

Business Development

• Own delivery of business targets across Assets, Liabilities, Income, and Fee Income.
• Drive growth in Advances, Current Accounts, and Deposits.
• Enhance wallet share across existing Mid Corporate relationships.
• Increase product penetration through Trade, FX, and other banking solutions.
• Drive fee income, trade income, and FX income growth.
• Acquire new-to-bank customers and deepen existing relationships.
• Monitor team productivity and portfolio performance.
• Maintain a healthy business pipeline and ensure timely conversion of opportunities.
  
  

Performance Monitoring & Reporting

• Monitor and drive achievement of cluster-level business targets across Assets, Liabilities, CASA, Fee Income, Trade, and Treasury products.
• Review portfolio growth, profitability, productivity, and customer acquisition metrics across Relationship Managers within the cluster
• Conduct periodic business reviews with Regional Leaders and Relationship Managers to assess performance against targets and identify improvement opportunities.
• Analyze portfolio trends and provide actionable insights to enhance business performance and customer penetration.
  
  

Relationship Management

• Develop and strengthen relationships with key customers, promoters, business owners, and strategic accounts across the cluster.
• Monitor customer satisfaction levels and implement measures to enhance customer experience and service quality
• Act as the primary escalation point for critical customer issues and ensure timely resolution through coordination with internal stakeholders.
• Support Relationship Managers in handling complex client relationships, negotiations, and business opportunities.
  
  

Customer Relationship Management

• Build relationships with:
• Key clients and promoters
• Industry bodies, trade associations, consultants
• Drive ecosystem-led sourcing (CA networks, vendor-dealer chains, etc.)
• Enhance customer engagement and retention through structured coverage model
  
  

Risk and Internal Control

• Maintain portfolio quality within defined risk appetite
• Proactively track and act on:
• Early Warning Signals (EWS)
• Slippages and NPA movement
• Security erosion / inadequate collateral cases
• Drive collateral hygiene (valuation, CERSAI, documentation)
• Minimize additional provisioning impact through timely corrective actions
• Ensure adherence to:
• Regulatory and compliance standards
• KYC / AML / trade compliance norms
• Drive process efficiency and turnaround time (TAT) across onboarding & servicing
• Strengthen data discipline, reporting accuracy, and governance frameworks
  
  

People Management

• Lead, coach, and motivate Relationship Managers and support teams to achieve business and organizational objectives.
• Drive a high-performance culture through effective goal setting, performance reviews, and regular feedback mechanisms.
• Monitor individual and team productivity, identify performance gaps, and implement appropriate development plans.
• Identify training and capability enhancement needs and facilitate learning interventions to strengthen functional and leadership competencies.
  
  

SECTION V: OPERATING NETWORK

Internal

Risk / Credit / Underwriting teams → for limit approvals & portfolio quality

Product teams (Trade, CMS, FX) → for revenue maximization

Operations / CAD / CAG → for smooth execution

External

MSME customers, promoters

Trade associations, industry bodies

Channel partners, consultants, CA network

SECTION VI: ROLE PROFILE REQUIREMENTS

Education

PG – Any specialization, CA

Knowledge of Trade Finance and Certification on same is desirable

Experience

10+ years in Commercial Banking / MSME / Trade Finance / Mid Corporates

Minimum 4–5 years in team leadership role managing multi-layer teams

Candidate shall have experience of working in TFX Products & be well versed with banking processes.