Branch Manager_BRANCH BANKING_0125_1384_1004445

Kotak Mahindra Bank; Maharashtra; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Branch Manager in Retail Liabilities to drive growth, manage operations, and deliver excellent customer service. You will lead a high‑performing team, ensure profitability, and promote cross‑selling of financial products.

You will deepen client relationships by understanding their business models and needs, offer working capital solutions, and grow the branch’s market presence through proactive sales and service.

Qualifications

• MBA/CA with 2–3 years local market experience in credit & sales.
• Ability to sell asset propositions—loan amount, rate & fees.
• Strong oral and written communication.
• Relationship management and influencing skills.

Responsibilities

• Understand clients’ business & provide appropriate working capital solutions.
• Work with Branch Banking teams for new customer additions.
• Cross-sell Current Account/Term Deposits/Transaction Banking/Trade Finance.
• Build relationships with CFOs/promoters and trusted client partners.
• Focus on increasing branch book size and profitability.
• Understand client business models and cash flows to identify opportunities.
• Monitor competition and expand Kotak presence in the market.
• Maintain high caliber client service and continually improve processes.

Skills

Sales

Relationship management

Leadership

Communication

Regulatory awareness

Education

MBA

CA

Job description

As a Branch Manager in the Retail Liabilities vertical, you will be responsible for driving business growth, ensuring operational excellence, and delivering superior customer service. This role demands a dynamic leader with strong sales acumen, regulatory awareness, and the ability to manage a high-performing team. You will oversee the branch’s profitability, compliance, and customer engagement, while also promoting cross-selling of financial products

Job Description

• To understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG.
• Work closely with Branch Banking teams for new customer addition.
• To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies.
• To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.
• Focus to continually increase the Book size and profitability of the assigned portfolio.
• To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships.
• To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market Maintain high caliber client service.
• Improve efficiency by monitoring & overseeing continuous improvement of processes Constantly have a rapport with the operating units to customize and develop solutions

Job Requirements :

• Preferably MBA/ CA Experience: 2-3 years’ experience in the local market preferably some background in Credit & Sales Knowledge is required
• Ability to get the customer to buy into the asset proposition- loan amount, rate & fees.
• Strong oral and written Communication
• Relationship Management Skill
• Good influencing skills