TBM/ABM

Job Description for Area Business Manager – WC/SBE (Working Capital / Small Business Enterprise), Rajkot, I found a matching Kotak Mahindra Bank role. The available JD indicates this is a team-leadership + SME/working-capital sales position. 
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Area Business Manager – WC/SBE | Rajkot
Key responsibilities

Lead a team of Business/Portfolio Relationship Managers at the area level.
Drive new client acquisition and manage/deepen the existing SME customer portfolio.
Develop working-capital and business-loan opportunities, including Cash Credit, Demand Loans, Bank Guarantees and other fund/non-fund facilities.
Drive acquisition through branch banking, referrals and alternate channels.
Build relationships with SME promoters, CFOs and other key decision-makers.
Grow the area's loan book, SOH, revenue and profitability.
Coach RMs on understanding business models, trade activities, cash flows and identifying cross-sell opportunities.
Monitor RM productivity and mentor the team to achieve business targets.
Develop the local market through trade meetings, industry associations and business forums.
Drive cross-sell of products such as CMS, insurance and other banking solutions.
Build a healthy trade/working-capital portfolio, including importer/exporter relationships.
Track competition and strengthen the bank's presence in the Rajkot market.
Ensure high-quality customer service and TAT for onboarding, requests and renewals.
Maintain portfolio hygiene, including delinquency, churn and utilization controls.
Actively identify and mitigate credit/business risks. 
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Preferred profile

Around 7–8 years of relevant experience, particularly in the local market.
Strong credit and sales knowledge.
Prior experience managing and driving a team.
Strong leadership, communication, relationship-management and influencing skills.

Foundit
In short: this is essentially an Area/Cluster-level SME Working Capital Sales Manager role, where the primary mandate is to lead RMs, acquire SME clients, grow the WC book, improve profitability, and maintain portfolio quality.

If you're preparing for an interview for this role, I can also give you the likely interview questions + model answers for Area Business Manager – WC/SBE Rajkot.