Regional Manager - Small Business Lending

Job description

Job Purpose Own end-to-end Portfolio management, relationship growth and ensuring portfolio hygiene through timely renewals, PDD compliance, and delinquency resolution. Duties and Responsibilities - Source New to Bajaj relationships for Small Business Lending (Turnover upto 50 Crs) across Industries. Experience in handling customers in Manufacturers, Traders Suppliers. - Build a diversified portfolio offering revenues from Assets NII, Fees, Cross sell etc. Asset opportunities to be sourced aligned to the lending norms as prescribed. - Strong focus on Credit quality. Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified. Build a Portfolio which is strong and non-delinquent. - Engagement with Legal technical vendors Initiation. - Regular tracking of progress on the agreed key metrics towards delivering on the strategy. - Track developments in the respective markets and provide feedback to the management team. Key Decisions / Dimensions - Recommendation- Engaging with stakeholders for onboarding of clients and setting up exposure limits. - Recalibration: Alignment with the Risk and Credit Team for right-sizing and down-sizing of the portfolio based on the external environment, credit health of the clients and any other indicators Major Challenges - Industry Competition - Limited Product Suite for a Corporate Borrower considering the vast NBFC space Required Qualifications and Experience a) Qualifications - CA / MBA Finance from a reputed institute. b) Work Experience - Candidate needs to have an overall experience of 6 - 8 years, of which a minimum 3 years of experience in a Business banking role with a reputed Bank would be preferred. - He must have exposure in lending to Retail MSME clients (Companies with revenue upto 50 Crs). Experience in handling working capital limits is preferred. - Flair and ability to evaluate business opportunities. - Relationship building and networking skills - Strong communications and presentation skills - Ability to get a given assignment/ job completed within the stipulated timeline