Business Strategy & Growth:

- Lead the development and execution of business strategies for the Neobiz & Micro segments within the VRM channel.

- Collaborate with key stakeholders including Proposition, Finance, and Investment Advisory teams to align on business goals and ensure successful implementation of strategic initiatives.

- Drive business growth through customer acquisition, portfolio expansion, and cross-selling of banking products.

- Monitor market trends, competitor activities, and customer feedback to identify new opportunities and enhance product offerings.

Team Leadership & Management:

- Manage a team of Business Banking Virtual Relationship Managers and support staff to ensure achievement of sales, revenue, and service targets.

- Provide effective leadership, motivation, and coaching to the VRM team to enhance productivity and engagement.

- Conduct regular performance reviews, set clear KPIs, and foster a high-performance culture.

- Ensure continuous training and development of team members to improve product knowledge, relationship management, and sales capabilities.

Relationship & Service Excellence:

- Ensure superior customer experience across the VRM channel through proactive engagement and efficient service delivery.

- Work closely with internal departments (Credit, Operations, Risk, Compliance) to ensure timely and accurate resolution of client requirements.

- Drive adherence to customer service standards, ensuring consistent delivery of value to Business Banking clients.

Risk Management & Compliance:

- Ensure all VRM operations adhere to bank policies, regulatory requirements, and compliance guidelines.

- Monitor portfolio quality, identify early warning signals, and take corrective actions to mitigate credit and operational risks.

- Promote a culture of risk awareness and ethical business practices within the team.

Performance Tracking & Reporting:

- Track business performance metrics, analyze data, and provide regular reports to senior management on sales, revenue, and portfolio health.

- Identify gaps and implement corrective measures to achieve business objectives.

- Support management in forecasting, budgeting, and strategic planning for the Neobiz & Micro segments.

Qualifications, Skills, and Experience:

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

- Minimum 6-8 years of experience in Business Banking, SME Banking, or related areas, with at least 3 years in a leadership or area management role.

- Strong knowledge of Neobiz/Micro business segments, banking products, and digital/virtual relationship models.

- Proven track record in sales management, business growth, and team leadership.

- Excellent communication, analytical, and interpersonal skills.

- Strong understanding of risk management, compliance, and credit processes.

- Ability to work collaboratively across departments and influence key stakeholders.

- Proficiency in CRM systems and digital banking tools.