Business Relationship Manager - WC_Working Capital_0412_6604_1058070

Kotak Mahindra Bank; Kolkata District; Sur place; INR 600 000 - 850 000; Plein temps

Résumé du poste

Kotak Mahindra Bank is seeking a proactive Relationship Manager to manage and grow a portfolio of Working Capital clients in Kolkata. You will engage with promoters and key decision-makers, structure WC solutions, and ensure timely renewals and enhancements of credit limits.

You will monitor utilization, coordinate with internal teams, and drive cross-sell opportunities while maintaining compliance and delivering superior client service.

Qualifications

• Experience in managing working capital (WC) clients or corporate relationships.
• Strong understanding of banking products and credit processes.
• Ability to build trust with promoters and key decision-makers.

Responsabilités

• 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 and cash flows to structure WC solutions.

Connaissances

Relationship management

Client engagement

Cross-sell

Credit understanding

Communication skills

Description du poste

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.