Business Relationship Manager - SBE-Small Business Enterprise-Sales

Kotak Life Insurance; Guntur District; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Life Insurance is seeking a relationship-focused professional to understand client businesses and provide working capital solutions across fund and non-fundBased products. You will collaborate with Branch Banking teams to onboard customers and penetrate targets with products like Current Account, deposits, trade finance, and transaction banking for primary and group companies.

The role requires 2-3 years local market experience in credit & sales, strong communication, and

Qualifications

• Excellent written and oral communication skills.
• Preferably MBA/CA.
• Experience 2-3 years in local market with credit & sales background.
• Knowledge to persuade customers to buy asset propositions (loan amount, rate & fees).

Responsibilities

• Understand clients' business and provide working capital solutions (fund/non-fund based products).
• Collaborate with Branch Banking teams to add new customers.
• Cross-sell products: Current Account, Term Deposits, Transaction Banking, Trade Finance for primary/Group companies.
• Build relationships with CFOs/promoters in target segments to grow trust and portfolio.
• Increase book size and profitability of assigned portfolio.
• Monitor competitive elements and augment Kotak brand in target market.
• Maintain high-caliber client service and drive process improvements with operating units.

Skills

Communication skills

Relationship management

Sales ability

Negotiation

Education

MBA / CA

Job description

About The Role

About The Role

To understand clients business & provide appropriate working capital solutions 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 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

Excellent written and oral communication skills Preferably MBA/ CA Experience2-3 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