Regional Business Leader

SECTION I: ROLE INTRODUCTION Job Title Regional Business Leader Reporting To Zonal Head/National Head Business Unit Commercial Banking Grade/ Level G4 Sub Business Unit Medium Enterprises Location Pune Section II: JOB ROLE SCOPE Number of Direct Reports 3-5 Total Team Size 25 - 30 SECTION III: PURPOSE OF THE ROLE The Regional Business Leader is responsible for driving end-to-end business performance of the Small Enterprises portfolio across the assigned geography, through effective leadership of Cluster Business Leaders (CBLs) and their respective RM teams. The role entails strategic planning, business delivery (Assets & Liabilities), portfolio quality management, ecosystem expansion, and team capability building, with a strong focus on profitability and risk-adjusted growth. SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE These responsibilities are representative, and the role holder is also responsible for any other job assigned by the superior authorities from time to time. This section in not intended to be an exhaustive listing of all activities done by the role holder. It should capture only the key responsibilities of the role. Metrics that are used to evaluate the success / performance of the role; specific targets do not need to be included as those would change from Y-o-Y. Responsibilities KPIs Strategy and Planning Drive regional business plan aligned to Zonal and National objectives across: Asset growth (Working Capital, Trade, Term Loans) Liability franchise (CA/SA, CMS, float balances) Fee income (Trade, FX, CMS) Identify high-potential clusters, markets, and ecosystem opportunities to scale the SE portfolioBuild anchor-led and supply-chain ecosystems to deepen market penetration Ensure balanced growth between NTB acquisition and ETB deepening. Policies, Processes & Procedures Ensure adherence to: Regulatory and compliance standards KYC / AML / trade compliance norms Drive process efficiency and turnaround time (TAT) across onboarding & servicingStrengthen data discipline, reporting accuracy, and governance frameworks Business Development Own delivery of regional budgets (Assets, Liabilities, Income, Fee)Drive wallet share enhancement across existing relationshipsMonitor and improve portfolio productivity metrics: Income per RM Limits vs utilization Cross-sell ratios (Trade / FX / CMS) Ensure disciplined pipeline build-up and conversion tracking Maintain portfolio quality within defined risk appetiteProactively track and act on: Early Warning Signals (EWS) Slippages and NPA movement Security erosion / inadequate collateral cases Drive collateral hygiene (valuation, CERSAI, documentation) Minimize additional provisioning impact through timely corrective actions People Management Build relationships with: Key clients and promoters Industry bodies, trade associations, consultants Drive ecosystem-led sourcing (CA networks, vendor-dealer chains, etc.)Enhance customer engagement and retention through structured coverage model SECTION V: OPERATING NETWORK Key interactions which are essential to execute the role. This will include both internal (excluding sub-ordinates) and external stakeholders. Internal Risk / Credit / Underwriting teams for limit approvals & portfolio qualityProduct teams (Trade, CMS, FX) for revenue maximizationOperations / CAD / CAG for smooth execution External MSME customers, promotersTrade associations, industry bodiesChannel partners, consultants, CA network SECTION VI: ROLE PROFILE REQUIREMENTS Minimum Qualification Which Are Essential To Execute The Role. Education Essential: PG Any specialization, CA Preferred: PG Any specialization, CA Experience Essential: 18 years in Commercial Banking / MSME / Trade Finance Minimum 8 years in team leadership role managing multi-layer teams .