Job Overview
Job Role: The Zonal Head, Business Banking, drives the strategy and execution of SME businesses in South India.
Job Responsibilities:
1. Strategy and Planning * Develops and implements strategic plans in line with the division’s objectives. Supports the development of the workforce plan for the division by providing inputs on own department’s workforce forecasts. Manages and controls the operating framework for the department, provides guidance and support, and ensures implementation and review of work processes in order to achieve high performance standards and continuous improvement.
2. Policies, Processes & Procedures Governs implementation of risk-related policies and processes (operational, regulatory, financial, informational, reputational and audit risks) for the department, ensuring that these meet regulatory and internal control requirements. Reviews implementation of the internal control systems in line with relevant operating procedures and regulatory requirements and takes corrective action based on audit findings.
3. Core Responsibilities Driving the strategy and execution of SME businesses in the region as per targets Prepare the yearly Business development plan in line with the bank strategy for SME clients for the region Achievement of targets set in the yearly budget for new and existing clients and management of budget and financials related to these targets Articulation of region-specific strategy for the growth of various products offered by the organization and also liaising with the Product Development Team People and Team Management including career management, coaching and mentoring of critical talent in the team Formulation of recruitment and resourcing strategies (e.g. location strategies) Review and coordination of prescribed quality principles and processes Sponsoring and ensuring quality standards are met in management initiatives in the region Ensuring stringent fraud control policies are in place Ensuring minimal NPAs in the region
4. People Management Develops a continuous talent pipeline for key roles in the department and provides mentoring for high potential talent in the team. Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the department. Develops talent within the department by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals.
5 KPi's Fee income - Trade Fees - 5%FX fees - 5%PFRF - 5%Insurance and YSL (Marx) - 5% Gross Disbursement - Core GD - 10%Total GD - 10%Branch stratification - 10% FB Book and Yield - FB Book EOP - 10% FB Book AMB - 10% New sourcing Yield - 10%Portfolio Yield - 5%ROA - 5% Delinquency – Gross flow (due to OOO/NPA) within defined % of the book Hygiene - Renewal and exceptions
Ideal Candidate: Looking for a veteran SME Lending Banker heading multiple clusters, which are managed by the Cluster Head and their team of RM's