Regional Head - SME Working Capital (10-16 yrs)

Regional Head - SME Working Capital

Key Responsibilities :

Business Development :

- Develop and execute strategies to grow the SME Working Capital portfolio in the region.

- Identify and acquire new SME clients while maintaining relationships with existing customers.

- Drive cross-selling initiatives to enhance revenue generation.

Portfolio Management:

- Oversee the SME Working Capital portfolio to ensure a healthy balance between growth and credit quality.

- Monitor client accounts and manage risk exposure within acceptable limits.

- Ensure timely reviews and renewals of credit facilities.

Leadership and Team Management:

- Lead, mentor, and manage a team of Relationship Managers and credit professionals.

- Set clear goals and performance expectations for the team.

- Foster a culture of collaboration, customer focus, and continuous learning

Stakeholder Engagement:

- Collaborate with internal teams such as credit, operations, and product management to deliver seamless services.

- Engage with external stakeholders, including industry associations and government agencies, for business development.

- Represent CSB Bank at regional forums and events to enhance the brand's visibility.

Credit Risk Management:

- Ensure compliance with credit policies and regulatory guidelines.

- Assess and mitigate risks associated with SME Working Capital proposals.

- Conduct periodic portfolio reviews to identify potential stress and take proactive measures.

Market Analysis and Strategy:

- Stay updated on market trends, competitive landscape, and customer needs in the SME segment.

- Provide insights and recommendations to senior management for product enhancements and strategy adjustments.

Key Skills and Competencies:

- Strong knowledge of SME banking and working capital products.

- Proven expertise in credit analysis and risk management.

- Exceptional leadership and team-building skills.

- Excellent communication, negotiation, and relationship management abilities.

- Strategic thinking with a customer-centric approach.

- Ability to drive results in a dynamic and competitive environment.

Qualifications:

- Bachelor's degree in Finance, Business Administration, Economics, or a related field (MBA preferred).

- Minimum 10-16 years of experience in SME banking, with significant exposure to working capital products.

- Demonstrated track record of achieving business targets and managing high-performing teams.