Main Responsibilities

•Responsible for originating, structuring and managing Working Capital solutions for Corporate Clients covered through Bangalore and Chennai branches.

•Identifying prospects and making joint calls with coverage / relevant stake holders

•Support coverage bankers in marketing both the funded and non funded products available and to develop the Cash Management, Working Capital(Transaction Banking – TB) and Trade Finance (including Receivables and Supply Chain Finance)(Global Trade & Commodity Finance - GTC)* business in India including preparation of Term Sheets and offers.

•Assisting / guiding internal stake holders in any ITB related queries / matters

•Ensuring the assigned ITB budgets are met. 

•Prepares and submits Business Opportunity Memorandum various Business Committees.

•Provide client and market feedback so as to improve our product offering and provide a superior client experience

Product Scope

Transaction Banking (TB)

•Cash Management products: Complete collections and payment solutions (domestic & cross border), e-banking, liquidity management services (cash pool) etc.

•Working Capital Solutions: Overdraft and Short Term Loans

 Global Trade & Commodity Finance (GTC):

•Import & Export documentary Letters of Credit (includes Domestic LC’s also)

•Performance, Financial and other Technical guarantees & SBLC’s including cross border transactions.

•Trade loans like Bill Discounting (includes LC Bill Discounting), Invoice Financing, Buyers and Suppliers Credit.

•Receivables and Payables solutions such as Supply Chain Financing, Forfaiting/ Reverse Forfaiting etc,

 Digitization and automation of products

•Focus on adoption of our online platforms by clients

•Compliance with regulatory requirements

Role Content

•Contributes to elaborate the ITB action plan, jointly with the Coverage
–Participates in the definition of a list of priority clients to be pitched (including target product mix definition)
–Evaluates / challenges the budget bricks coherence both in his / her geography (local clients and inbound) and in other geographies for local MNC clients (outbound)
–Provides insight to Management & relevant stakeholders in terms of market trends and client segmentation (market and technological watch)
–Meeting customers to ensure optimum utilization of limits.
–Participate in and identify new client prospects through different country corridor calls for the MNC business.

•Contributes to the overall client opportunity assessment done by the Coverage Banker (client need analysis, feasibility, profitability)
–Is accountable and responsible for the feasibility assessment (i.e. technical aspects) based on client needs and solution definition.

•Responds and Supports the Coverage Banker in preparing proposals / answering RFPs

–Contributes to the proposal along with Coverage Banker and proposes business opportunities to Senior Management

–Proposes adequate pricing schemes

–Makes sure that business proposals comply with legal, fiscal and other local regulations

–Validates the feasibility of the solution

•Is accountable for implementation once the contract is signed 

–Coordinates client requests with Operations and Product Managers

–In case of a complex implementation, is supported by an Implementation Manager and / or bring together competent interlocutors (back-office, middle-office, legal …) as soon as the implementation process is complex.

•Collect specific requirements formulated by clients and convey them to Head ITB and to the head of Coverage Banking

–Make sure that clients specifications / requirements are duly transmitted

–Contribute to the business cases elaboration in order to evaluate the pertinence of required developments to meet specific requirements formulated by clients.

-Participates in sales calls and communication support network(e.g. best practices sharing)

•Technical and / or commercial background required

•English compulsorily spoken

•Post Graduate

•8 - 10 years of experience in a similar role

•Handling an MNC portfolio would be an added advantage

•Excellent interpersonal skills

•Leadership

•Fluent English & knowledge of regional language would be an advantage

•Sound knowledge of Commercial Banking & Trade Activities

•Understanding & devising solutions to meet client needs