Area Business Manager – SBE | Kotak | Mumbai

Vskills; Mumbai; On-site; INR 1,200,000 - 2,100,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking an Area Business Manager – SBE to lead a team of Relationship Managers across the area. The role focuses on acquiring new clients, growing existing portfolios, and offering working capital and loans up to ₹100 lakhs.

You will build strategic relationships with GOs and promoters to drive growth and cross-sell products. The ideal candidate will have 7–8 years of local market experience in credit and sales, strong leadership, and excellent communication

Qualifications

• MBA or CA preferred.
• 7–8 years of local market experience.
• Background in credit and sales required.
• Experience in leading and managing teams required.
• Strong leadership, self-motivation and communication skills.
• Proven relationship management abilities.
• Good influencing skills.

Responsibilities

• Lead a team of Business and/or Portfolio Relationship Managers at the area level.
• Manage a team responsible for new client acquisition and maintaining/enhancing portfolios.
• Provide working capital and business loans up to ₹100 lakhs across fund-based and non-fund-based products.
• Drive new customer acquisition through branch banking and referrals.
• Build relationships with key persons in target segments to establish trust.
• Increase portfolio size, SOH, and location profitability.
• Mentor team members to improve RM productivity and performance.
• Ensure high-quality client service and address location-level concerns.
• Drive adoption of digital initiatives at the location and ensure sourcing at the location.
• Expand market reach through trade meetings and industry forums.
• Enhance cross-selling opportunities (KLI, KGI, CMS) and build a healthy trade portfolio.
• Monitor competition and Kotak’s brand presence and market penetration.

Skills

Leadership

Team management

Relationship management

Communication

Influencing skills

Education

MBA/CA

Job description

Job Role: Area Business Manager – SBE

• Date: 23rd October 2026 (Friday)
• Time: 11:00 AM to 02:00 PM
• Address: Kotak Mahindra Bank Limited, Adamas Plaza, 166/16 CST Road, Kalina, Santacruz East, Mumbai, Maharashtra.
• Interviewers:
  – Mrs. Deviyangana Tripathi (Hiring Manager)
  – Mr. Kapil Sarang (Human Resources)

Roles and Responsibilities

• Lead a team of Business and/or Portfolio Relationship Managers (RMs) at the area level.
• Manage a team responsible for new client acquisition and managing, maintaining, and enhancing assigned existing customer portfolios.
• Understand clients’ businesses and provide appropriate working capital and business loans across fund-based and non-fund-based products, such as Cash Credit, Demand Loan, and BG, up to ₹100 lakhs.
• Drive new customer acquisition through branch banking and customer referrals.
• Build relationships with key persons, including GOs and promoters, in target segments to establish trust and confidence.
• Continuously increase portfolio book size, share of holdings (SOH), and location profitability.
• Help team members understand client business models, trade activities, cash flows, and opportunities to grow client relationships.
• Groom and motivate team members to achieve desired performance levels and improve RM productivity.
• Resolve and address concerns at the location level.
• Manage channels such as HL, property, and wealth.
• Drive the adoption of various digital initiatives at the location level.
• Ensure appropriate sourcing at the location.
• Expand market reach through trade meetings, industry associations, and local forums.
• Enhance cross-selling opportunities, such as KLI, KGI, and CMS.
• Build a sustainable trade portfolio with a healthy mix of importers and exporters at the location level.
• Monitor competitors in target segments, including other banks, and increase Kotak’s brand presence and market penetration.
• Ensure high-quality client service from the team.
• Manage TAT (Turnaround Time) within specified levels for client onboarding, customer requests, renewals, and other activities.
• Improve efficiency through monitoring and continuous process improvement.
• Benchmark and adopt industry best practices to improve operational efficiency.
• Maintain regular communication with operating units to customize and develop solutions.
• Actively mitigate and manage risks.
• Ensure location-level performance indicators, such as delinquency, churn, and utilization, meet the required standards.

Desired Candidate Profile

• Qualification: Preferably MBA/CA.
• Experience: 7–8 years of experience in the local market.
• Domain Knowledge: Background in credit and sales is required.
• Team Management: Prior experience in leading and managing teams is required.
• Leadership Skills: Good leadership, self-motivation, and communication skills to drive teams.
• Relationship Management: Strong relationship management skills.
• Influencing Skills: Good influencing skills.