Business Relationship Manager - Working Capital-Sales

Kotak Life Insurance; Chandigarh; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Life Insurance in Chandigarh seeks a Business Relationship Manager to manage a portfolio of working capital clients, renew limits, and tailor WC solutions. You will build strong relationships with promoters, understand business models and cash flows, and drive cross-sell across the portfolio.

The role requires 2-3 years of local market experience, strong communication, and the ability to influence customers to adopt suitable asset propositions.

Qualifications

• 2-3 years of experience in the local market, with a background in Credit and Sales knowledge required.
• Strong oral and written communication skills are essential.
• Ability to influence customers and manage relationships for cross-sell opportunities.

Responsibilities

• Manage and service existing portfolio of working capital clients including renewal and enhancement of limits.
• Build strong relationships with promoters and maintain client trust.
• Understand business models forward cash flows and tailor working capital solutions.
• Ensure portfolio growth through enhancements and achieve defined targets.
• Coordinate with credit/ops/trade desk/branch to resolve issues quickly.
• Drive cross-sell of working capital limits and related products.
• Maintain CASA bookings and generate float income by opening group accounts.

Skills

Relationship Management

Sales

Communication

Credit Knowledge

Market Awareness

Job description

Position - Business Relationship Manager - WC-salaried PL and Working Capital-Sales

Department - Business Banking Assets

Position Grade - Deputy Manager / Manager / Sr. Manager
Job Role: Business Relationship Manager

Job Description

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 PDDs.
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 customers basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts.

Job Requirement

• Experience: 2-3 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.