Business Relationship Manager - WC_Working Capital-Sales_Kakinada

Kotak Mahindra Bank; Kakinada; Sur place; INR 600 000 - 1 200 000; Plein temps

Résumé du poste

Kotak Mahindra Bank is seeking a proactive Relationship Manager to manage and grow an existing Working Capital portfolio. You will engage promoters and key decision-makers, understand client cash flows, and structure suitable WC solutions while ensuring timely renewals and credit limit enhancements.

You will monitor utilization, coordinate with credit, ops, and branches, and drive cross-sell opportunities to deepen product penetration.

Qualifications

• Experience managing a portfolio of working capital clients.
• Ability to assess client needs and structure WC solutions.
• Proven track record in renewals and credit limit enhancements.

Responsabilités

• Manage and service an existing WC portfolio, renewing and enhancing limits.
• Build relationships with promoters for trust and ongoing engagement.
• Understand client business models and cash flows to tailor WC solutions.
• Drive portfolio growth via limit enhancements and cross-sell WC products.
• Ensure timely renewal of limits and resolve pending PDDs.
• Track submission of stock statements, insurance, and audits.
• Conduct regular client visits to assess health and engagement.
• Monitor monthly utilization and flag unusual transactions.
• Minimize delinquencies and manage exits under EWS.
• Coordinate with credit, ops, trade desk, and branch to resolve issues.
• Generate leads within existing clients and onboard new customers.
• Maintain CASA and generate float income by opening group accounts.

Connaissances

Relationship management

Portfolio management

Cross-sell skills

Credit knowledge

Client engagement

Outils

CRM software

Description du poste

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.