Business Relationship Manager

Kotak Mahindra Bank Limited; Punjab; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Mahindra Bank Limited seeks a proactive Relationship Manager to manage and grow an existing Working Capital client portfolio. You will engage with promoters and decision-makers to structure WC solutions, ensure timely renewals of credit limits, and coordinate with internal teams to resolve issues.

The ideal candidate will monitor utilization patterns, drive cross-sell opportunities, and visit clients regularly to assess business health and maintain engagement.

Qualifications

• Manage and grow an existing portfolio of WC clients.
• Understand client business models and structure WC solutions.
• Drive portfolio growth through limit enhancements and meet targets.
• Renewals and enhancements of credit limits.
• Coordinate with internal teams to resolve client issues.
• Monitor utilization patterns and ensure timely documentation.
• Regular client visits to assess business health and engagement.
• Flag unusual transactions and monitor delinquencies.

Responsibilities

• Liaise with credit, ops, and branch teams to resolve client issues within defined TAT.
• Drive cross-sell of WC limits and increase product penetration in the portfolio.
• Generate leads from existing clients and onboard new customers through relationship expansion.
• Maintain CASA book and generate float income by opening group accounts.

Skills

Relationship management

WC lending knowledge

Client engagement

Cross-selling

Job description

Business Relationship Manager - WC-SALARIED PL AND WORKING CAPITAL-Sales

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

The role involves deep engagement with clients to understand their business models, structure appropriate WC solutions, and ensure timely renewals and enhancements of credit limits.

The ideal candidate will be responsible for maintaining strong relationships with promoters and key decision-makers, ensuring compliance with internal processes, and driving cross-sell opportunities.

The role also includes monitoring utilization patterns, ensuring timely submission of documentation, and coordinating with internal departments to resolve client issues efficiently.

Manage and service an existing portfolio of WC clients, including renewal and enhancement of limits.

Build strong relationships with promoters to foster trust and long-term engagement.

Understand client 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 and closure of all pending PDDs.

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 and flag unusual transactions.

Minimize delinquencies and manage exit of clients flagged under Early Warning Signals (EWS).

Provide timely advice and updates to clients on relevant banking products and developments.

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.

Maintain CASA book and generate float income by opening group accounts.

Experience Level Mid Level