Job Summary
Job Description: Manager – Business Banking
Position Title
Manager – Business Banking
Department
Business Banking
Location
As per business requirement
Reports To
Senior Manager / Group Manager – Business Banking
Role Purpose
The Manager – Business Banking is responsible for driving business growth through the acquisition, management, and expansion of business banking relationships within the SME/MSME and Mid-Market segments. The role focuses on achieving business targets, managing customer relationships, assessing credit opportunities, and ensuring portfolio quality while delivering a superior customer experience.
Key Responsibilities
Business Development & Customer Acquisition
- Identify and acquire new Business Banking customers across SME, MSME, and emerging business segments.
- Develop strong customer pipelines through referrals, market mapping, and networking activities.
- Achieve assigned targets for assets, liabilities, revenue, fee income, and profitability.
- Promote a comprehensive suite of business banking products and services.
- Drive cross-selling opportunities across lending, transaction banking, trade finance, and liability products.
Relationship Management
- Build and maintain strong relationships with existing and prospective customers.
- Understand client business models, financial requirements, and growth plans.
- Provide customized banking and financial solutions aligned to customer needs.
- Ensure effective customer servicing and timely resolution of issues.
- Drive customer retention and relationship deepening initiatives.
Credit & Portfolio Management
- Analyze financial statements and assess customer creditworthiness.
- Prepare and recommend credit proposals in accordance with the bank's policies and guidelines.
- Monitor portfolio performance and identify early warning signals.
- Work closely with Credit, Risk, and Operations teams for timely processing and approvals.
- Ensure portfolio quality and minimize delinquency levels.
Sales & Revenue Generation
- Meet monthly, quarterly, and annual business targets.
- Increase asset book, liability balances, and fee-based revenues.
- Maximize wallet share through cross-selling and upselling initiatives.
- Generate sustainable and profitable business growth within assigned markets.
Compliance & Risk Management
- Ensure adherence to KYC, AML, regulatory, and internal compliance requirements.
- Maintain complete and accurate customer documentation.
- Follow credit, operational risk, and audit guidelines.
- Ensure all transactions and customer interactions comply with organizational policies.
Market Intelligence & Business Planning
- Monitor market trends, industry developments, and competitor activities.
- Identify growth opportunities within assigned territories.
- Develop and execute territory-level business plans.
- Participate in local business events and networking activities to enhance market presence.
Stakeholder Management
- Collaborate with internal departments including Credit, Operations, Product, Service, and Compliance teams.
- Coordinate with branch teams and support functions to ensure seamless customer onboarding and servicing.
- Maintain effective communication with stakeholders to drive business outcomes.
Key Performance Indicators (KPIs)
- New customer acquisition
- Asset portfolio growth
- Liability mobilization
- Revenue and profitability achievement
- Fee income generation
- Cross-sell penetration
- Portfolio quality and delinquency management
- Customer retention and satisfaction
- Turnaround time for customer onboarding and credit proposals
Compliance and audit performance
Skill Requirements
Essential
- Bachelor's Degree in Commerce, Finance, Economics, Banking, Business Administration, or related field.
Preferred
- MBA / PGDM in Finance, Marketing, Banking, or related discipline.
- Certifications in Credit Analysis, Risk Management, Commercial Banking, or Financial Services.
Experience
- 5–8 years of experience in Banking and Financial Services.
- Minimum 3–5 years of relevant experience in Business Banking, SME Banking, Commercial Banking, Corporate Banking, or Relationship Management.
- Experience in handling business banking customers and credit products.
- Proven track record of achieving sales and portfolio growth targets.
Required Competencies
Functional Competencies
- Business Banking Products
- SME/MSME Banking
- Credit Assessment & Analysis
- Financial Statement Analysis
- Relationship Management
- Trade Finance & Working Capital Products
- Portfolio Management
- Sales & Business Development
- Risk & Compliance Knowledge
Behavioral Competencies
- Customer Centricity
- Result Orientation
- Relationship Building
- Negotiation Skills
- Communication & Presentation
- Problem Solving
- Analytical Thinking
- Planning & Execution
- Team Collaboration
Preferred Industry Background
- Public Sector Banks
- Private Sector Banks
- Foreign Banks
- Small Finance Banks
- NBFCs
- Financial Institutions focused on SME/MSME and Commercial Banking