Business Relationship Manager - Working Capital

Kotak Mahindra Bank Limited; Morbi; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking a proactive Business Relationship Manager for Working Capital in Morbi. You will manage an existing WC client portfolio, engaging promoters and key decision-makers to tailor limits and drive renewals and enhancements.

You will coordinate with internal credit, ops, trade desk, and branches to resolve client issues promptly while monitoring usage and ensuring compliance. A strong focus on cross-selling WC products and maintaining the CASA book is essential.

Qualifications

• Manage and service an existing WC portfolio with renewals and limit enhancements.
• Build relationships with promoters and key decision-makers.
• Understand client businesses to tailor WC solutions.

Responsibilities

• Monitor utilization patterns monthly and flag unusual transactions.
• Coordinate with credit, ops, trade desk, and branch teams.
• Ensure timely submission of stock statements, insurance, and audits.
• Maintain CASA book and generate float income through group accounts.
• Drive cross-sell of WC limits and increase product penetration in the portfolio.

Job description

Business Relationship Manager - WC_Working Capital-Sales_Morbi

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.

• 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.

Experience Level

Mid Level