Regional Business Manager -SBE Small Business Enterprise-Sales

JOB DESCRIPTION

Role: Regional Business Manager – Small Business Enterprise (SBE)

Reporting To: ZBM / Regional Business Head

Job Description

• Lead and manage the overall SBE business for the assigned region.
• Manage, mentor and develop Area Business Managers, ensuring the achievement of business, revenue and profitability targets.
• Drive regional growth across Working Capital, LAP, Business Loans and other SBE products and propositions.
• Ensure effective management and performance of sales teams through ABMs.
• Drive customer acquisition, portfolio growth, cross-selling and deepening of existing customer relationships.
• Establish and maintain strong relationships with key customers, promoters, CFOs and other decision-makers.
• Develop and strengthen relationships with DSAs, Branch Banking teams, manufacturers, vendors and other sourcing partners.
• Monitor the regional sales pipeline, team productivity, portfolio size, disbursements and portfolio quality.
• Identify new markets and business opportunities to enhance the penetration and visibility of the Kotak brand.
• Collaborate closely with Credit, Risk, Operations and other stakeholders to ensure seamless business execution.
• Maintain a strong focus on portfolio quality, profitability and sustainable business growth.
• Conduct regular performance reviews of ABMs and provide coaching, guidance and support to enhance team productivity.
• Ensure strict adherence to internal policies, processes, regulatory guidelines and compliance requirements.

Job Requirements

• Postgraduate degree; MBA preferred.
• 8–12 years of experience in SBE/SME, Working Capital, Business Banking, LAP or related banking and financial services businesses.
• Proven experience in regional sales leadership and team management.
• Experience managing multiple teams and locations through second-line managers.
• Strong understanding of SME/SBE customer segments, business models, cash flows and credit requirements.
• Excellent communication, interpersonal, presentation and leadership skills.
• Strong market knowledge, with the ability to build and manage extensive customer and channel relationships.