WBCG:MC - Team Lead

WBCG: MC - Team Lead is responsible for scoping of the area sales and operations and implementing strategies to increase productivity and performance levels in order to achieve the Circle�s financial targets. They are responsible for ensuring the smooth functioning of the daily operations and compliance with the rules and regulations set as per banking norms for Government clients/ Departments. The role involves relationship management with the key account holders of the Bank to ensure deepening of accounts and thus generating revenue

�         Source new customers to generate revenue for fund Based and non-fund based products and increase customer base

�         Strengthen relationship with existing customer base so as to generate sustained business and identify opportunities for cross sell.

�         Ensure prudent portfolio management and diversification of risk in partnership with the Credit Team to achieve portfolio quality

�         Ensure implementation of due processes, guidelines and Bank�s code of conduct in all transactions, sanctions, disbursals and post disbursal activities.

�         Review daily/ periodic reports with a view to identify business opportunities, act upon early warning signals highlighted by the central teams, implement exit plan for stress accounts

�         Provide feedback to Risk Management/ Product Policy / Process Monitoring Teams for streamlining the processes to ensure TAT reduction, Risk Diversification and Inclusive policy.

�         Ensure Product Per Customer (PPC) growth in the allocated portfolio in the defined set of products

�         Ensure prudent implementation of Digital initialization taken by the Bank in alignment with the GoI/ GoM initiatives by critically analyzing the cost benefit to the bank.

�         Ensure replication of Centrally Sponsored Schemes (CSS) and State Sponsored Schemes (SSS) across given portfolio.

�         Ensure throughput of CDBT & GST taxes from given portfolio and assist the Nodal officer as and when required.

�         Review existing portfolio and constantly updating of ReKYC, PAN nos & Covenant compliance as per the Banking standards

Optimal qualification for success on the job is:

� CFA/ CA/ MBA (Finance) from a recognized institute

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

� In-depth knowledge of key drivers and indicators in the relevant sectors

� A solid understanding of financial statements, ratios

� Understanding of compliance and regulatory norms

� Good relationship management and strong communication and presentation skill