Business Relationship Manager

Kotak Mahindra Bank; Jaipur; On-site; INR 6,00,000 - 9,00,000; Full time

Job summary

A financial services company in India is seeking a proactive Relationship Manager to manage and grow a portfolio of Working Capital clients. Responsibilities include maintaining relationships with key decision-makers, understanding business needs, and driving portfolio growth through engagement and cross-selling efforts. Ideal candidates should have strong communication skills and a client-focused approach.

Responsibilities

• Maintain strong relationships with promoters and key decision‑makers.
• Understand business models and structure WC solutions.
• Drive portfolio growth and meet defined business targets.
• Ensure timely renewal of limits and closure of pending PDDs.
• Track client submissions for compliance and conduct regular visits.
• Monitor utilization patterns and minimize delinquencies.

Job description

We are looking for a proactive and client-focused Relationship Manager to manage and grow an existing portfolio of Working Capital (WC) clients.

Responsibilities

• Maintain strong relationships with promoters and key decision‑makers to foster trust and long‑term engagement.
• Deep engagement with clients to understand their business models, cash flows and structure WC solutions accordingly.
• Drive portfolio growth through limit enhancements and meet defined business targets.
• Ensure timely renewal of limits, closure of all pending PDDs and maintain a CASA book to generate float income by opening group accounts.
• Track and follow up with clients for submission of stock statements, insurance and audit compliance; conduct regular client visits to assess business health and maintain engagement.
• Monitor utilization patterns monthly, flag unusual transactions, minimize delinquencies and manage exit of clients flagged under Early Warning Signals (EWS).
• Liaise with internal teams (credit, ops, trade desk, branch) to resolve client issues within defined TAT.
• Drive cross‑sell of WC limits and increase product penetration in the assigned portfolio; generate leads from existing clients and onboard new customers through relationship expansion.
• Provide timely advice and updates to clients on relevant banking products and developments.