Job RoleResponsible for acquisition of working capital products with ticket size between 3 to 25 cr by driving team of RMs ,Sr.BDO,DSTs,SRM at Area level.Managing 36 branches of North & West Delhi and Privy Channel with help of team of 11 people.Drive team for new acquisition through Branch Banking and/or Customer referrals/Direct Channels /DSA,Connectors etcFocus to continually increase the Book size, SOH and profitability of the LocationTo inculcate in team… Show more Job RoleResponsible for acquisition of working capital products with ticket size between 3 to 25 cr by driving team of RMs ,Sr.BDO,DSTs,SRM at Area level.Managing 36 branches of North & West Delhi and Privy Channel with help of team of 11 people.Drive team for new acquisition through Branch Banking and/or Customer referrals/Direct Channels /DSA,Connectors etcFocus to continually increase the Book size, SOH and profitability of the LocationTo inculcate in team members understanding of client business models, trade related activities, cash flows etc. and drive identification of opportunities and growing client relationships.Grooming and mentoring team members so that they achieve their desired performance levels (Team productivity)Resolving/Addressing location level concernsChannel Management viz RL, Privy, DSA ,Connectors Drive adoption of various digital initiatives at location levelTo ensure right sourcing is being done at the locationDeepen our market reach through trade meeting, industry associations, local forums etc.Enhance X-sell opportunities such as KLI, KGI, etcStrengthen and build sustainable trade book with healthy mix of importers and exporters at location levelTo be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target marketDrive high caliber client service from the TeamManage TAT for the location within specified levels for all aspects such as client onboarding, processing of customer requests, renewals etcImprove efficiency by monitoring & overseeing continuous improvement of processes.Benchmark and adopt best practices used in the Industry to further build efficiency at the locationConstantly share rapport with the operating units to customize and develop solutionsMitigate risks and manage them activelyEnsure hygiene parameters such delinquency, churn, utilization etc are met at location Show less

•Generated business and acquire new SME/ Working Capital clients through diverse promotional, outreach and sales strategies.•Managing portfolio of existing business banking Trade & Working Capital Clients.•Met with clients to generate new business banking products, High Value Current Accounts, Trade Accounts, Working Capital (Fund Base and Non Fund Base), Trade Finance Products, Retail Assets Etc...•Structured and finalized secured and unsecured loans.•Cross sell of CASA to… Show more •Generated business and acquire new SME/ Working Capital clients through diverse promotional, outreach and sales strategies.•Managing portfolio of existing business banking Trade & Working Capital Clients.•Met with clients to generate new business banking products, High Value Current Accounts, Trade Accounts, Working Capital (Fund Base and Non Fund Base), Trade Finance Products, Retail Assets Etc...•Structured and finalized secured and unsecured loans.•Cross sell of CASA to the group companies TWC customer and to promoter family members.•Cam Preparation & query resolution•Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement, including deferral closure•Customer negotiation on rates and other issues relating to charges.•Co-ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Buyers credit, TOD's.•Co-ordination with local Ops for disbursement of a case, TOD limit setting, submission of Stock Statement•Daily servicing of customer - Issuance of Cheque books, DDs, cash deposition / withdrawal issues, solvency certificates, RTGS, trade & fx transaction, etc.•Housekeeping including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visit, Site visit etc.•Stressed accounts / Exit account management, follow-up and regularization of TODs•Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities•Cross sell of various asset products, other liability accounts, TPP products to the existing Relationships and its group accounts raised as HNW.•Supported the end-to-end credit management process and submitted complete loan documentation and supported credit originations, ensuring credit compliance.•Built and maintained relationships with new and existing clients while providing a high level of expertise. Show less

Trade & Working Capital

Business Banking