Acquisition Relationship Manager-AGRI-FIN-PROJECTS (AF)-Marketing Branches Operations

Kotak Mahindra Bank Ltd; Jodhpur; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Kotak Mahindra Bank Ltd in Rajasthan seeks a Relationship Manager to source working capital loans, term loans for Agri-related industries, and food processing sectors. The role emphasizes networking with CAs/financial consultants and daily field activities.

Candidates should be self-motivated, tech-savvy, with strong communication in Hindi and English, and excellent interpersonal skills. Owning a vehicle with a valid license is required for extensive fieldwork.

Qualifications

• Must have excellent communication in Hindi and local language along with English.
• Should have good interpersonal and people-management skills.
• Should be Techno Savvy with latest computer skills.
• Willingness to travel and coordinate between branches/customers.

Responsibilities

• Sourcing Working capital loan and Term loan facilities to Agri related industries and food processing/agro-processing sectors.
• Source new customers; achieve monthly disbursement targets; manage portfolio and renew limits.
• Meet and appoint new CAs/Financial Consultants and source business daily with branches.
• Coordinate with trade finance, CMS, operations, treasury, legal and branch banking teams for seamless service.
• Field job emphasis (80%) with office (20%); own vehicle and driving license required.

Skills

Self-motivated

High energy

Fast learner

Team player

Excellent communication

Interpersonal skills

Polite attitude

Techno Savvy

Speed, Scale and Skill

Education

Post Graduate Diploma / Post Graduate in Banking and Finance / Marketing and Finance

Job description

• Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of “Speed, Scale and Skill”.
• Able to source Working capital Loan and Term Loan facilities to Agri Related Industriesand Food Processing and Agro Processing Industries, Agri Ware House Finance , Cold Storage Finance, Agri Infra Project finance and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others.
• Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 40 crore. Each RM is expected to do minimum 2 New Cases per month. Also he is expected to maintain and renew limits of Existing portfolio.He is expectedto meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis.
• Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality.
• Collaborate with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service
• Closely work with credit team for managing client expectation and effective risk management
• Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license.
• Post Graduate Diploma / Post Graduate in Banking and Finance / And (Major / Minor) Marketing and Finance will have edge over others
• Strong oral and written Communication
• Relationship Management Skill