Business Relationship Manager - WC-Working Capital-Sales

Kotak Life Insurance; Mysuru; On-site; INR 500,000 - 800,000; Full time

Job summary

KOTAK LIFE INSURANCE is seeking a Business Relationship Manager to manage and grow a portfolio of WC clients in the Karnataka region. The role emphasizes relationship building with promoters, understanding client business models, and structuring WC solutions to fit needs.

You will ensure timely renewals, coordinate with internal desks, and push for cross-sell opportunities. Ideal candidates have 2-3 years local market experience, strong communication, and knowledge of WC/LAP products.

Qualifications

• 2-3 years experience in the local market with credit and sales knowledge.
• Strong oral and written communication skills.
• Relationship management and influencing skills.
• Knowledge of products like WC, LAP, etc.

Responsibilities

• Manage and service existing WC client portfolio; renew and enhance limits.
• Build strong relationships with Promoters and clients.
• Understand business models, cash flows, and structure WC solutions.
• Ensure timely renewal of limits and closure of pending PDDs.
• Visit client locations to ensure growth and functionality of the business model.
• Drive cross-sell of WC limits and related products.
• Generate leads from existing customers and onboard new clients.
• Maintain CASA book and generate float income where applicable.

Skills

Communication

Relationship Mgmt

Sales knowledge

Product knowledge

Job description

About The Role

Business Relationship Manager

Department Business Banking Assets Location Position Grade Deputy Manager / Manager / Sr. Manager

Job Role:

Manage and service existing portfolio of WC clients including renewal and enhancement of limits Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products including WC limits and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts.

• 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 Skills
• Relationship Management Skill & Good influencing skills
• Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc