Business Relationship Manager - Small Business Enterprise

Kotak Mahindra Bank Limited; Lucknow; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking a Business Relationship Manager for SBE_Small Business Enterprise Sales in Lucknow. The role focuses on understanding client needs and offering working capital solutions across fund and non-fund based products, while collaborating with branch teams for new customer acquisition.

The position emphasizes building relationships with CFOs and promoters, increasing book size and profitability, and maintaining high-quality client service in a competitive market.

Responsibilities

• Understand clients' business and provide appropriate working capital solutions across fund and non-fund based products such as Cash Credit, Demand Loan, Buyers credit, LC, BG, etc.
• Work with Branch Banking teams for new customer acquisition and portfolio growth.
• Cross-sell products like Current Accounts, Term Deposits, Transaction Banking, and Trade Finance to primary and group companies.
• Build relationships with CFOs and promoters of target segments to gain trust and grow the book size and profitability.
• Monitor market competition and enhance Kotak brand presence in the target market.
• Ensure high-quality client service and timely resolution of queries and drive process improvements with operating units.

Job description

Business Relationship Manager - SBE_Small Business Enterprise-Sales_Lucknow

• 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