CBG:Centre Head - Liability

The Centre Head - Liability for the Commercial Banking Group (CBG) will lead a team of Commercial Banking Relationship Managers (CBRMs) focused on driving business growth in the MSME segment across India. This role involves managing deposits and cross-selling a range of financial products including current accounts, term deposits, forex, trade services, payments, cash management, and tax payments, along with retail offerings such as salary accounts, trust services, commercial cards, and forex solutions. Reporting to the Circle Head - Liability, the Centre Head will oversee a team of 6-8 CBRMs and is responsible for achieving business targets while fostering a collaborative and performance-driven environment.

Key Responsibilities

- Lead and develop a high-performing team of CBRMs to achieve commercial banking business growth.
- Drive achievement of targets for individual products such as current account balances (ETB & NTB), trade forex, cash management services, and cross-selling initiatives through effective team leadership and guidance.
- Establish and strengthen relationships with key customers to enhance engagement and generate sustained business opportunities.
- Identify and convert potential new-to-bank (NTB) customers by offering tailored financial products to increase product penetration.
- Deepen existing customer relationships by cross-selling bank products, promoting cross-functional synergy within the team.
- Foster a performance-oriented culture that encourages collaboration, innovation, and employee motivation.
- Collaborate with other departments to ensure lead generation for current accounts, trade, and forex products.
- Ensure compliance with all due processes and regulatory guidelines, promoting a culture of risk awareness within the team.
- Maintain a healthy portfolio by monitoring depletions and ensuring growth of the existing book.
- Manage staffing requirements, ensuring adequate training on bank products, sales processes, and policies.
- Build cohesion with Branch Banking teams to ensure synergy between Commercial Banking Group and Branch Banking, aimed at boosting overall growth.

Required Qualifications

- Graduate or Postgraduate degree with a minimum of 3-5 years of people leadership experience.
- Total professional experience of 7-10 years in sales functions, preferably within financial services.
- In-depth knowledge of financial products and services including current accounts, trade, and forex, with the ability to identify cross-selling and upselling opportunities.
- Strong adaptability to navigate complex sales environments and ambiguity.
- Excellent verbal and written communication skills, with the ability to engage clients, present value propositions, and close deals effectively.
- Proven track record of consistently meeting or exceeding sales targets within stipulated deadlines.
- Strong networking and relationship-building capabilities.

This role offers the opportunity to lead a dynamic team within a reputed commercial banking environment, contributing significantly to business growth across diverse financial products. The position requires a strategic mindset, strong leadership skills, and the ability to drive results while maintaining compliance and fostering a motivated team culture.