Commercial Credit card - Key Account Manager

Job Title: Key Accounts Manager Commercial Credit Cards
Department: Commercial Cards
Location: As Applicable
Reporting To: Lead-Key Accounts Commercial Cards

Role Purpose

The Key Accounts Manager is responsible for managing and growing a portfolio of corporate clients within the Commercial Credit Cards business. The role focuses on driving portfolio growth, increasing customer spends, ensuring customer retention and renewals, enhancing profitability, and delivering superior client service. The incumbent will build strategic client relationships, identify business opportunities, and collaborate with internal stakeholders to deliver effective card solutions while ensuring regulatory and compliance adherence.

Key Responsibilities

1. Portfolio Growth & Revenue Management

• Drive growth in card spends across the assigned portfolio of corporate customers.
• Identify opportunities for upselling and cross-selling commercial card solutions.
• Acquire and support onboarding of new business setups within existing and new client relationships.
• Develop account plans to maximize wallet share and customer lifetime value.
• Achieve assigned revenue, spend, and profitability targets.

2. Key Account Management

• Manage strategic relationships with corporate clients and key decision-makers.
• Understand client business requirements and recommend suitable card-based payment solutions.
• Conduct regular business reviews with clients to assess needs, service quality, and growth opportunities.
• Ensure a superior customer experience through proactive engagement and issue resolution.

3. Portfolio Profitability & Retention

• Monitor portfolio performance and profitability metrics.
• Lead account renewal discussions and execute renewal strategies in a timely manner.
• Improve customer retention through value-based engagement and relationship management.
• Identify underperforming accounts and implement corrective action plans.

4. Risk, Compliance & Governance

• Ensure adherence to all internal policies, regulatory requirements, and operational guidelines.
• Maintain compliance with Anti-Money Laundering (AML), KYC, and other regulatory frameworks.
• Monitor portfolio risk indicators and work with internal stakeholders to mitigate risks.
• Ensure zero delinquency and high-quality portfolio management standards.

5. Stakeholder Management

• Partner with Internal Business Units,Risk, Compliance, Operations, Product, Technology, and Marketing teams to ensure seamless client servicing and portfolio management.
• Coordinate with internal teams for implementation, issue resolution, and service enhancements.
• Provide market and customer feedback to support product innovation and business growth.

Required Qualifications

• Bachelor's degree in Business Administration, Commerce, Finance, Banking, or a related discipline.
• MBA or equivalent postgraduate qualification preferred.

Experience

• 3-4 years of experience in Corporate Banking, Commercial Cards, Payments, Transaction Banking, Key Account Management, or B2B Sales.
• Proven track record of managing large corporate relationships and delivering revenue growth.
• Experience in portfolio management, client retention, and solution selling is preferred.