Key Responsibilities:

1. Business Development Strategy:

- To assist the Head in delivering Business Development strategy and deliver profitability and asset book numbers in line with the budgets for the Emerging and Mid-Market Business.

- To assist Zonal Head in implementing devised business strategy for the zone and tap local network to achieve the budgeted business volumes, Net Interest Income, fees, and asset book.

- To initiate cross selling initiatives for generating additional revenues.

2. Relationship Management:

- Grow, nurture, and manage relationships across Emerging and Mid-Corporate Houses in the country (CFO, senior management, and promoter levels).

- The customer base has to be widened significantly in the segment, SRM/RM has to grow, nurture, and manage a much wider network of relationships across Emerging and Mid Corporate Houses in the zone/country (promoter, CFO and senior management level).

3. Deal Structuring and Documentation:

- To set high standards of deal structuring, due diligence and loan documentation.

- To have sectoral and product knowledge which enables effective deal structuring and term sheet discussions with the customer.

- To conduct detailed due diligence, analysis, evaluation of the deal thereby resulting in high quality appraisal.

- To work closely with legal team to ensure that the loan documentation is closed with the customers to the satisfaction.

4. Customer Service:

- To maintain constant interactions with the clients, ensure effective customer service standards and superior client satisfaction.

- To ensure satisfaction for the portfolio clients and ensure effective servicing for their various requirements from loan processing to information requirements to post disbursement requirements like balance confirmations, NOCs etc.

- To resolve issues related to client servicing and co-ordinate with the Risk, OPS, Finance, Credit, and Legal teams.

5. Risk Management and Compliance:

- To be aware of risk management and regulatory norms and credit policy/process adherence, conduct portfolio review.

- To be aware of all critical policies, processes and documentation for all the products and ensure compliance.

- To undertake documentation and KYC formalities for the customers in a seamless manner while managing good TATs.

- To keep up to date with the latest developments in the local market and report for any indication of customer defaults, sectoral changes etc.

6. MIS Reporting:

- To formulate periodic MIS for the routine activities.

- To send periodic reports to Business Heads/Head - Emerging and Growth Markets for potential business opportunities etc.

- To report MIS and tracking of targets and personal meeting with clients with status of deals in pipeline.