WBCG: MEG - State Head

• About Wholesale Banking Coverage Group (WBCG)
• The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the
• Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering,
• Chemicals, Oil amp Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with
• higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital
• facilities
• About the Role
• The Commercial Banking State Head, leads a team of RM Heads across the Segment. He/She will be responsible
• for driving the commercial banking business (Asset and Liabilities) for the Segment. The Commercial Banking
• business focuses on Asset and Liabilities requirement of the clients - mainly letters of credit, guarantees, trade
• loans, etc. along with products such as Trade & Forex solutions & Cash Management Solutions to name
• a few
• 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
• . Graduate/ Post Graduate with min of 5 yrs of people leadership experience and a total of 18-20 Yrs experience
• engaging with credit/sales functions
• Role Proficiencies:
• Knowledge of credit, banking products and services
• . Ability to manage ambiguity
• . Good communication (both verbal and written) and presentation skill
• . Ability to handle pressure and meet deadlines
• . Good networking and relationship building skills.