Axis Bank - State Head - Medium Enterprise Group

About Commercial Banking Group:

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc

About the Role:

The Commercial Banking Centre Head, leads a team of Relationship Managers responsible for driving the commercial banking business for the centre. The Commercial Banking business focuses on working capital related facilities for clients - mainly letters of credit, guarantees, trade loans, etc. along with products such as Trade & Forex solutions & Cash Management Solutions

Key Responsibilities

- Develop business relationships with Commercial Banking customers in the area to increase the top line, fee income and net interest income of the Bank

- Achieve targets set for individual products like Working Capital (WC), Bank Guarantee (BG), LC (Letter of Credit), OD (Over Draft), DOD (Demand Overdraft), Trade Forex, TOD etc.

- Establish and strengthen relations with key customers to enhance credit relationships and generate sustained business.

- Identify and convert potential customers who can be sold tailored products to enhance product penetration

- Deepen the existing relationships by cross selling liability and asset products to new and existing customers

- Maintain a healthy portfolio and monitor the delinquency rates of the portfolio

- Ensure optimal limit utilization by the clients

- Monitor proposals that come up for renewal be a Part of sanctioning process including LCC

- Interact/ Liaise with various other departments to ensure smooth delivery of credit as well as other services

- Ensure audit related deliverables, both internal and external are met as per the prescribed norms

- Ensure compliance with due processes and guidelines

- Create a performance oriented environment leading to high employee motivation and productivity

- Ensure that all staffing requirements of the center are met and adequate training is given to the staff on the products of the bank, sales processes and various policies of the bank

Qualifications:

Optimal qualification for success on the job is:

- Graduation/Post-Graduation from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

- Knowledge of credit, banking products and services

- Ability to manage complex client situations

- Good communication (both verbal and written) and presentation skill

- Ability to handle pressure and meet deadlines

- Good networking and relationship building skills