Overview
Associate Director – SME ME – Bank
About the job:
Key Responsibilities:
Business:
– Responsible for onboarding new clients through various avenues including Agri NTB accounts.
– Meeting existing clients, generating leads from them, meeting CA, Consultants etc can provide output.
– Understanding the client needs and providing solutions to them so that the purpose is also solved, and revenue part is also taken care.
– Maintaining quality of the onboarded accounts by checking the health of the account on periodic basis.
– Any suspicious activity / alert in the account should be immediately identified and discussed amongst the team for taking future action.
– Sales Discipline: Timely and accurate account plans, timely updating of NTB and pipeline, and call reports.
– Delivery on RORWA commitments made whilst approving.
– Achieving assigned full year objectives as per annual P3 document.
Processes:
– Ensure adherence to all internal and external regulations.
– To embed Operational Risk monitoring as an integral part of the business process.
– Towards this, to effectively carry out the assigned role, if any, under Compliance Risk Management and Operational Risk Management Assurance.
Risk Management:
– Monitor all major risk issues and concentrations.
– Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees
Governance:
– Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business.
Regulatory & Business Conduct:
– Display exemplary conduct and live by the Group’s Values and Code of Conduct.
– Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct.
– This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
– Lead to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]
– Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders:
– Internal
– Risk
– CRC
– Trade Ops
– Audit
– Branches & PVB
– External
Skills And Experience :
– Financial Analysis
– Relationship Management
– Portfolio management skills
Qualifications:
– Substantial experience in the banking industry, including demonstrated success in a similar role.
– Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.
– Ability to work with geographically dispersed and highly varied stakeholders.
– At least 4-6 years of relevant experience in lending to SME’s / Mid Corporates.