Branch Manager_BRANCH BANKING_0125_1384_1004445

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

Job summary

Kotak Mahindra Bank in Mumbai seeks a Branch Manager for the Retail Liabilities vertical to drive growth, oversee operations, and deliver excellent customer service. You will lead a high-performing team, manage profitability, and promote cross-selling of financial products across the branch network.

The role requires 2–3 years in the local market with MBA/CA background and strong sales, credit, and relationship-management skills.

Qualifications

• MBA or CA with 2–3 years local market experience in credit and sales.
• Ability to sell asset propositions (loan amount, rate, fees).
• Excellent communication, relationship management and influencing skills.

Responsibilities

• Drive enhancement of the deposit pool from existing and new customers.
• Ensure high standards of customer service delivery across all touchpoints.
• Promote and achieve cross-selling targets for non-deposit products.
• Lead sales initiatives for Mutual Funds and Insurance products.
• Generate fee-based income through strategic product offerings.
• Oversee branch administration and ensure smooth day-to-day operations.
• Ensure full compliance with regulatory and internal guidelines.
• Foster a productive and motivated branch team environment.
• Take ownership of the branch’s Profit & Loss and break-even performance.
• Collaborate with internal stakeholders for product innovation and marketing initiatives.

Skills

Strong communication

Relationship management

Sales aptitude

Credit knowledge

Influencing skills

Education

MBA

CA

Job description

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

Responsibilities

Drive enhancement of the deposit pool from existing and new customers. Ensure high standards of customer service delivery across all touchpoints. Promote and achieve cross-selling targets for non-deposit products. Lead sales initiatives for Mutual Funds and Insurance products. Generate fee-based income through strategic product offerings. Oversee branch administration and ensure smooth day-to-day operations. Ensure full compliance with regulatory and internal guidelines. Foster a productive and motivated branch team environment. Take ownership of the branch’s Profit & Loss and break-even performance. Collaborate with internal stakeholders for product innovation and marketing initiatives.

Requirements: