Business Relationship Manager - WC_Working Capital_0412_1780_1086846

Kotak Mahindra Bank; Pune District; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Kotak Mahindra Bank is seeking a proactive Relationship Manager to manage an existing Working Capital portfolio, deepen client engagements, and structure suitable WC solutions in Pune. You will ensure renewals, monitor utilization, and drive cross-sell opportunities with promoters and key decision-makers.

The role requires coordinating with credit, ops, trade desk, and branches to resolve issues quickly while maintaining compliance and high service standards.

Qualifications

• Experience in managing Working Capital client portfolios.
• Ability to structure WC limits and renewals with diligence.
• Strong relationships with promoters and decision-makers.
• Ensures compliance with internal processes and timely documentation.
• Drives cross-sell and product penetration within the portfolio.
• Monitors utilization and coordinates with internal teams.

Responsibilities

• Manage and service an existing WC client portfolio, renewals and limit enhancements.
• Build relationships with promoters to foster trust and long-term engagement.
• Understand client business models and cash flows to tailor WC solutions.
• Drive portfolio growth through limit enhancements and target attainment.
• Ensure timely renewal of limits and completion of PDDs.
• Monitor utilization and flag unusual transactions monthly.
• Coordinate with internal teams to resolve client issues within defined TAT.
• Drive cross-sell of WC limits and increase product penetration.
• Generate leads and onboard new customers through relationship expansion.
• Maintain CASA book and generate float income.

Skills

Relationship management

Client engagement

Credit limit management

Cross-selling

Portfolio growth

Compliance

Documentation coordination

Stakeholder management

EWS monitoring

Job description

Job Description:

We are looking for a proactive and client-focused Relationship Manager to manage and grow an existing portfolio of Working Capital (WC) clients. The role involves deep engagement with clients to understand their business models, structure appropriate WC solutions, and ensure timely renewals and enhancements of credit limits. The ideal candidate will be responsible for maintaining strong relationships with promoters and key decision-makers, ensuring compliance with internal processes, and driving cross-sell opportunities. The role also includes monitoring utilization patterns, ensuring timely submission of documentation, and coordinating with internal departments to resolve client issues efficiently.

Responsibilities

Manage and service an existing portfolio of WC clients, including renewal and enhancement of limits. Build strong relationships with promoters to foster trust and long-term engagement. Understand client business models, cash flows, and structure WC solutions accordingly. Drive portfolio growth through limit enhancements and meet defined business targets. Ensure timely renewal of limits and closure of all pending PDDs. Track and follow up with clients for submission of stock statements, insurance, and audit compliance. Conduct regular client visits to assess business health and maintain engagement. Monitor utilization patterns monthly and flag unusual transactions. Minimize delinquencies and manage exit of clients flagged under Early Warning Signals (EWS). Provide timely advice and updates to clients on relevant banking products and developments. Liaise with internal teams (credit, ops, trade desk, branch) to resolve client issues within defined TAT. Drive cross-sell of WC limits and increase product penetration in the assigned portfolio. Generate leads from existing clients and onboard new customers through relationship expansion. Maintain CASA book and generate float income by opening group accounts.