Business Relationship Manager - Working Capital-Sales

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

Job summary

Kotak Life Insurance in Surat seeks a Business Relationship Manager to understand client businesses and offer working capital solutions across funded and non-funded products. You will work with Branch Banking teams to add new customers and penetrate the market with accounts, deposits and trade-finance offerings.

The role targets CFOs/promoters, aims to grow the portfolio, and requires strong communication and relationship-management skills, with emphasis on credit and sales knowledge.

Qualifications

• MBA or CA with strong business acumen.
• 2–3 years in the local market with credit and sales knowledge.
• Excellent written and verbal communication and relationship management.
• Proven ability to influence and sell asset propositions (BL, OD, CC).

Responsibilities

• Understand client business and working capital needs; provide suitable solutions.
• Penetrate clients with products: current account, term deposits, trade finance.
• Build relationships with CFOs/promoters and grow book size.
• Coordinate with branch banking teams for new customer additions.
• Maintain Kotak brand presence and offer customized solutions.

Skills

Communication

Relationship management

Influencing skills

Sales knowledge

Education

MBA

CA

Job description

Position - Business Relationship Manager - SBE-Salaried PL and Working Capital-Sales

To understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. Work closely with Branch Banking teams for new customer addition. To penetrate client with various products like Current Account/Term Deposits/ Transaction Banking/Trade Finance for the primary Relationship & Group companies.

To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus to continually increase the Book size and profitability of the assigned portfolio. To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships.

To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market Maintain high caliber client service.

Improve efficiency by monitoring & overseeing continuous improvement of processes Constantly have a rapport with the operating units to customize and develop solutions

Job Requirements :

Excellent written and oral communication skills Preferably MBA/ CA

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 Relationship Management Skill

Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL, OD, CC.