Business Relationship Manager - Small Business Enterprise

Kotak Mahindra Bank Limited; Bengaluru; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank Limited in Bengaluru seeks a Business Relationship Manager to understand client businesses and provide working capital solutions across fund and non-fund products. You will work with branch teams to acquire customers and cross-sell accounts, deposits, and trade finance to primary and group companies.

You will build trusted relationships with CFOs and promoters, aiming to grow the portfolio’s size and profitability while ensuring high-quality service and timely resolution of

Qualifications

• Experience managing relationships with business clients.
• Knowledge of working capital products (fund/non-fund based).
• Ability to cross-sell across product lines (cash credit, loans, trade finance).
• Strong communication and negotiation skills.
• Understanding of CFOs/promoters and key stakeholders.

Responsibilities

• Understand clients' business and provide appropriate working capital solutions.
• Collaborate with Branch Banking teams for new customer acquisition.
• Cross-sell products like Current Accounts, deposits, transaction banking, and trade finance.
• Build and maintain relationships with key client stakeholders (CFOs, promoters).
• Increase book size and profitability of the assigned portfolio.
• Monitor client cash flows and identify growth opportunities.
• Maintain high-quality client service and timely resolution of queries.
• Drive process improvements and coordinate with operating units to customize solutions.

Skills

Client Relationship Management

Banking Products Knowledge

Cross-Selling

Financial Analysis

Stakeholder Engagement

Job description

Business Relationship Manager - SBE_Small Business Enterprise-Sales_Bangalore

• 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
• 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.

Experience Level Mid Level