Business Relationship Manager - SBE_Small Business Enterprise_0412_1478_1087172

Kotak Mahindra Bank; Mumbai; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank in Bangalore is seeking a Relationship Manager in the Small Business Enterprise segment to understand client businesses and propose working capital and loan solutions, coordinating with branch teams for new customer acquisition.

You will cross-sell a range of banking products to primary and group companies, build relationships with CFOs and promoters, grow the portfolio, and monitor competition to strengthen Kotak’s brand presence.

Qualifications

• MBA or CA preferred.
• 1-3 years experience in local market with credit and sales knowledge.
• Strong communication and relationship management skills.
• Knowledge of loan products such as Cash Credit, Demand Loan, LC, BG.

Responsibilities

• Understand client businesses and provide working capital solutions across fund and non-fund based products.
• Collaborate with branch banking teams for new customer acquisition.
• Cross-sell products such as Current Accounts, Term Deposits, Transaction Banking, and Trade Finance to primary and group companies.
• Build and maintain relationships with CFOs and promoters.
• Increase book size and profitability of the assigned portfolio.
• Analyze client business models, trade activities, and cash flows to identify growth opportunities.
• Monitor competitive landscape and enhance Kotak’s brand presence in target segments.
• Drive process improvements and coordinate with operating units to develop customized solutions.

Skills

Communication skills

Relationship management

Influencing skills

Sales knowledge

Education

MBA/CA

Job description

Job Description:

• 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

Responsibilities

Understand client businesses and provide appropriate working capital solutions across fund/non-fund based products. Collaborate with branch banking teams for new customer acquisition. Cross-sell products such as Current Accounts, Term Deposits, Transaction Banking, and Trade Finance to primary and group companies. Build and maintain relationships with key client stakeholders (CFOs, promoters). Increase book size and profitability of the assigned portfolio. Analyze client business models, trade activities, and cash flows to identify growth opportunities. Monitor competitive landscape and enhance Kotak’s brand presence in target segments. Ensure high-quality client service and timely resolution of queries. Drive process improvements and coordinate with operating units to develop customized solutions.