Job Purpose
Full ownership of the verticals PL to manage area, existing client base, execution tracking of sourcings. Own end-to-end Portfolio management, relationship growth and ensuring portfolio hygiene through timely renewals, PDD compliance, and delinquency resolution. Duties and Responsibilities
Identify business focus and develop action plan to grow/ expand business for Small Business lending vertical and achieve set AOP targets.
Drive business growth by identifying opportunities for customer acquisition, cross-selling, and upselling of products and services
Portfolio Management: Build and manage a diversified lending portfolio, ensuring alignment with the company''s lending norms and risk appetite.
Credit Quality Assurance: Maintain a strong focus on credit quality by monitoring client accounts, identifying early warning signals, and taking appropriate actions to mitigate risks.
Market Analysis: Track market developments, analyse trends, and provide strategic feedback to the management team.
Stakeholder Coordination: Liasioning with credit/risk/ops for sourcing assessment and policy compliance.
Team Development: Participate in recruitment, hire right talent and employee retention.
Reporting and Compliance: Ensure all activities comply with regulatory requirements and internal policies. Regularly report on progress and key metrics. Key Decisions / Dimensions
Expanding Geography/ Adding Manpower
Product Introduction
Growth to team. RR
Exit Conversations|Business growth
Market penetration
Attrition %
Fee income and NTB acquisition applicable Major Challenges
Managing deliveries/performance Vs Management expectation (AOP)
Scale size - Market Development
Ensuring credit quality
Attracting right Talent /Hiring Required Qualifications and Experience
a)Qualifications
MBA Finance from a reputed institute
b)Work Experience
Candidate needs to have overall experience of more than 10 years, of which a minimum of 5 years of experience in Business Banking role with Banks
Handling a span of 5-6
He must have exposure in lending to MSME clients
Will be preferred candidates with exposure to Govt. backed MSME Schemes.
Fair and ability to evaluate business opportunities.
Relationship building and networking skills
Strong communications and presentation skills
Ability to get a given assignment/ job completed within the stipulated timelineSourced from naukri
