Zonal Business Head - Business Banking Group (BBG)

About the role

The BLG - Zonal Business Head - Business Banking Group (BBG) role, based in New Delhi, India, manages business and distribution for SME clients within the Business Lending Group across complex, multi-district geographies. Day-to-day responsibilities include optimizing portfolio yield, ensuring revenue and portfolio targets are met, building a profitable SME franchise, managing slippage and portfolio quality, collaborating on customized lending solutions, and handling client relationship management with a focus on risk and compliance. The role also involves sourcing through branches, overseeing end-to-end credit delivery, and leading and mentoring teams.

What you’ll do

• Manage financial health and growth of SMEs with ₹25–100 Cr turnover and ₹5–15 Cr credit exposure
• Drive profitability by increasing revenue, controlling costs, and promoting fee-based products (CMS, TFx, EXIM)
• Monitor portfolio health, focusing on SMA and NPAD
• Develop growth strategies for BBG and EEG segments, including geographic expansion and complex credit structuring tailored to borrowers' needs
• Ensure compliance through covenant monitoring and audit oversight
• Collaborate across credit, operations, risk, IT, and compliance to streamline policies and processes
• Lead and mentor teams, set performance metrics, and improve operational efficiency via TAT and FTNR controls
• Leverage legal and technical expertise to manage complex cases and present credit proposals to sanctioning authorities

What you’ll bring

• Graduate or Post Graduate qualification required
• Minimum 15 years of experience
• Maximum 20-22 years of experience
• Experience managing business and distribution for SME business within a Business Lending Group
• Ability to manage complex geographical locations with multiple districts and business pockets
• Experience optimizing portfolio yield and ensuring overall portfolio and revenue targets are met
• Experience building profitable franchise for SME
• Experience managing and arresting slippage and maintaining portfolio quality

Skills

Education

Graduate/ Post Graduate