WBCG: MEG - Geography Sales Head

About Wholesale Banking Coverage Group (WBCG)

The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the

Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering,

Chemicals, Oil amp Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with

higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital

facilities

About the Role

The Commercial Banking Geography Sales Head, leads a team of State Head and GCOs across the Geography .

He/She will be responsible for driving the commercial banking business (Asset and Liabilities) for the Geography.

The Commercial Banking business focuses on Asset and Liabilities requirement of the clients - mainly letters of

credit, guarantees, trade loans, etc. along with products such as Trade & Forex solutions & Cash

Management Solutions to name a few

Key Responsibilities

. Develop business relationships with Commercial Banking customers in the area to increase the top line, fee

income and net interest income of the Bank

. Achieve targets set for individual products like Working Capital (WC), Bank Guarantee (BG), LC (Letter of

Credit), OD (Over Draft), DOD (Demand Overdraft), Trade Forex, TOD etc.

. Establish and strengthen relations with key customers to enhance credit relationships and generate sustained

business.

. Identify and convert potential customers who can be sold tailored products to enhance product penetration

. Deepen the existing relationships by cross selling liability and asset products to new and existing customers

. Maintain a healthy portfolio and monitor the delinquency rates of the portfolio

. Ensure optimal limit utilization by the clients

. Monitor proposals that come up for renewal be a Part of sanctioning process including LCC

. Interact/ Liaise with various other departments to ensure smooth delivery of credit as well as other services

. Ensure audit related deliverables, both internal and external are met as per the prescribed norms

. Ensure compliance with due processes and guidelines

. Create a performance-oriented environment leading to high employee motivation and productivity

. Ensure that all staffing requirements of the center are met and adequate training is given to the staff on the products of the bank, sales processes and various policies of the bank.

Qualifications

. Graduate/ Post Graduate with min of 5 yrs of people leadership experience and a total of 18-20 Yrs experience

engaging with credit/sales functions

Role Proficiencies:

Knowledge of credit, banking products and services

. Ability to manage ambiguity

. Good communication (both verbal and written) and presentation skill

. Ability to handle pressure and meet deadlines

. Good networking and relationship building skills.