Composite Relationship Manager

Kotak Life Insurance; Anand; On-site; INR 480,000 - 640,000; Full time

Job summary

Kotak Life Insurance in Anand, Gujarat seeks an experienced Relationship Manager to understand client businesses and provide working capital solutions across cash credit, demand loan, LC, BG and related products. You will collaborate with Branch Banking teams to add new customers and cross-sell current accounts, deposits, trade finance, and transaction banking to group companies.

You will build relationships with CFOs and promoters, aim to grow the portfolio size and profitability, and stay

Qualifications

• Excellent written and oral communication skills.
• Preferably MBA/ CA.
• 2-3 years experience in the local market with credit and sales knowledge.
• Strong oral and written communication.
• Relationship management skills.
• Good influencing skills.
• Experience handling sales for asset products like BL, OD, CC.

Responsibilities

• Understand clients business and provide appropriate working capital solutions across Fund/non Fund-based products like Cash Credit, Demand Loan, Buyers credit, LC, BG.
• Work closely with Branch Banking teams for new customer addition.
• Penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies.
• Build relationships with CFOs/promoters in target segments and gain client trust.
• Focus to increase the Book size and profitability of the assigned portfolio.
• Understand client business models, trade activities, cash flows and identify opportunities to grow relationships.
• Monitor competition and augment Kotak brand presence in target market.
• Maintain high caliber client service.
• Improve efficiency by monitoring and overseeing process improvements.
• Maintain rapport with operating units to customize and develop solutions.

Skills

Relationship management

Sales skills

Credit knowledge

Communication skills

Influencing skills

Education

MBA or CA

Job description

• 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

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.