Business Relationship Manager - SBE-Small Business Enterprise-Sales

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

Job summary

Kotak Life Insurance in India seeks a field-focused Relationship Manager to understand clients' business and provide working capital solutions across fund and non-fund based products such as Cash Credit, Demand Loan, Buyers Credit, LC, and BG.

You will work with Branch Banking teams to add new customers and penetrate group companies with Current Account, Term Deposits, Transaction Banking, and Trade Finance.

Qualifications

• Excellent written and oral communication skills.
• Experience in local market with credit and sales background preferred.
• Ability to explain asset propositions including loan amount, rate and fees.

Responsibilities

• Understand clients' business and provide working capital solutions (Cash Credit, Demand Loan, Buyers Credit, LC, BG).
• Penetrate client segments with products like Current Account, Term Deposits, Transaction Banking, Trade Finance for primary relationships and group companies.
• Build relationships with CFOs/promoters to grow the portfolio and profitability; monitor client needs and competitive elements.

Skills

Communication skills

Sales experience

Credit knowledge

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