Cluster Manager - Commercial Lending/Senior Cluster Manager - Commercial Lending

Location Name: Ludhiana

Job Purpose

To manage existing client base and to add more clients. Maintaining quality of the asset book managed by selfCulture Anchor:Have high ambitions - Inspires the team to aim for higher targets and supports in achieving themOwn It - Acknowledges uncertainty and makes changes in own decisions/ actions for better outcomes

Duties And Responsibilities

Source New to Bajaj relationships for Commercial Emerging Corporate Business (Turnover <200 Cr). Experience in handling Corporate client relationships is preferred

Build a diversified portfolio offering revenues from Assets NII, Fees, Cross sell etc. Asset opportunities to be sourced aligned to the lending norms as prescribed.

Appraise financial strength of client, advise and structure the facility meeting client’s requirement and fitting within policy parameters.

Strong focus on Credit quality. Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified. Build a Portfolio which is strong and non-delinquent.

Regular tracking of progress on the agreed key metrics towards delivering on the strategy.

Track developments in the respective markets and provide feedback to the management team.

Stakeholder management – Coordination with internal as well as external stakeholders

Required Qualifications And Experience

Practice Emotional Intelligence - Develops the team, supporting them to do moreListens to others, stays calm under pressure, and treats everyone with respect.