Business Relationship Manager-SBE Plus_Small Business Enterprise_0412_5638_1002712

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

Job summary

Kotak Mahindra Bank in Bangalore is hiring a Business Relationship Manager for the Small Business Enterprise segment. The role focuses on understanding client businesses and providing working capital and loan solutions, while building trust with CFOs and promoters.

You will promote products like Cash Credit, Demand Loan, LC, BG, and term deposits, working closely with branch teams to add new customers and grow the portfolio responsibly.

Qualifications

• MBA or CA preferred.
• 1-3 years of local market experience; credit & sales knowledge required.
• Strong oral and written communication.
• Relationship management skills and ability to influence.

Responsibilities

• Understand clients’ business and provide appropriate working capital and business loan solutions.
• Deal across fund/non-fund based products (Cash Credit, Demand Loan, Buyers credit, LC, BG).
• Collaborate with Branch Banking teams for new customer additions.
• Cross-sell products to SMEs (Current Account/Term Deposits/Transaction Banking/Trade Finance).
• Build relationships with CFOs/promoters and grow portfolio profitability.
• Monitor competition and augment Kotak’s market presence.
• Support DSTs recruitment and drive targets with branch banking as main channel.

Skills

Relationship Management

Sales Knowledge

Communication

Influencing skills

Education

MBA/CA

Job description

Job Description:

Business Relationship Manager - SBE

Department Small Business Enterprise (SBE)

Location Bangalore

Reporting Relationship IC

Position Grade M1/M2

Job Role

• To understand clients business & provide appropriate working capital and business loan solutions.
• Deal across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc.
• 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 on continually increasing book size and profitability of the assigned portfolio.
• To understand client business model, 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
• Share rapport with other operating units to customize and develop solutions
• Recruiting DST’s, assisting them in achieving their targets and driving them towards company goals with Branch Banking as the main channel.

Job Requirement

• Preferably MBA/ CA
• Experience: 1-3 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
• Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL, OD, CC.
• Excellent written and oral communication skills