Cluster Head - Business Banking - Pune

Job Description:

Key Responsibilities:

Business Development & Revenue Growth

• Drive Working Capital product penetration (CC, OD, Term Loans, Bill Discounting, Trade Finance, BG, LC, etc.) within the cluster.

• Achieve assigned revenue, asset, and liability targets.

• Develop and execute strategies to expand customer base (SMEs, Mid-corporates, Large Corporates).

• Monitor competitor activities and market trends to identify business opportunities.

Team Leadership & Management

• Lead, mentor, and manage a team of Relationship Managers and Product Sales Managers.

• Build productivity and capability of the sales team through regular training and joint calls.

• Ensure adherence to sales processes, compliance, and risk policies.

• Drive performance reviews and goal achievement within the team.

Client Relationship & Portfolio Management

• Build and maintain strong client relationships to maximize wallet share.

• Ensure high customer satisfaction through timely service and solutions.

• Monitor credit portfolio health and proactively manage risks.

• Work closely with Credit & Risk teams for credit appraisal, sanctioning, and monitoring.

Cross-functional Collaboration

• Coordinate with Trade Finance, Treasury, Operations, and Credit teams for smooth transaction execution.

• Partner with product teams to design customized solutions for clients.

• Drive cross-sell of other banking products (CASA, Insurance, FX, Wealth, Digital Solutions).

Key Performance Indicators (KPIs):

• Growth in Working Capital book within the cluster.

• Achievement of revenue, liability, and fee income targets.

• Portfolio quality (low delinquency, NPAs).

• Employee productivity and retention.

• Customer satisfaction and retention rate.

Qualifications & Skills:

• Graduate / MBA / CA with 10–15 years of experience in Corporate/SME Banking.

• Strong understanding of Working Capital financing, trade products, and credit assessment.

• Proven leadership and people management skills.

• Excellent communication, negotiation, and relationship-building skills.

• Ability to drive business in a competitive environment while ensuring compliance.