Area Business Manager

Area Business Manager – Working Capital

Location: Multiple Locations - Mumbai/Bangalore/Chennai/Ahmedabad,etc

Department: Working Capital

Experience: 7–8 Years

Qualification: MBA / CA (Preferred)

Job Role

• Lead and manage a team of Business and/or Portfolio Relationship Managers at the area level.
• Drive new client acquisition and manage, maintain, and grow an assigned portfolio of existing customers.
• Generate business through branch banking channels and customer referrals.
• Build strong relationships with key decision-makers such as CFOs and business promoters to strengthen client engagement.
• Drive growth in portfolio size, share of wallet, and overall profitability for the assigned area.
• Guide the team in understanding client business models, trade activities, cash flows, and identifying business opportunities.
• Mentor and develop team members to improve productivity and performance.
• Resolve location-level operational and business challenges.
• Coordinate with internal channels such as Retail, Private Banking, Wealth, and other business verticals.
• Drive the adoption of digital initiatives across the location.
• Ensure quality sourcing and customer acquisition practices.
• Expand market presence through trade associations, industry forums, and networking events.
• Drive cross-selling of banking products and solutions.
• Build and strengthen a sustainable trade portfolio with a balanced mix of importers and exporters.
• Monitor market trends and competitive activities to strengthen market penetration.
• Ensure high standards of client servicing and relationship management.
• Manage turnaround time (TAT) for customer onboarding, servicing, renewals, and other operational processes.
• Improve operational efficiency through continuous process improvements and industry best practices.
• Work closely with internal teams to develop customised client solutions.
• Identify, monitor, and mitigate business risks.
• Ensure portfolio hygiene by maintaining parameters such as delinquency, churn, utilisation, and overall portfolio quality.

Eligibility Criteria

• MBA or CA preferred.
• 7–8 years of experience in the local market with exposure to Working Capital, Credit, and Sales.
• Prior experience in leading and managing sales or relationship management teams.
• Strong leadership, communication, and team management skills.
• Excellent relationship management and stakeholder engagement abilities.
• Strong influencing and negotiation skills.