Portfolio Relationship Manager - Working Capital-Sales

Kotak Life Insurance; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Life Insurance in Mumbai seeks a Portfolio Relationship Manager to deliver working capital solutions for key corporate clients. You will manage relationships, grow wallet share, and coordinate with DSAs, CAs, associations for new business.

Responsibilities include cross-selling banking products, maintaining service standards, and ensuring risk controls while building trust with CFOs and promoters.

Qualifications

• Excellent written and oral communication skills.
• Preferably MBA/CA.
• 2–3 years experience in the local market with sales and credit knowledge.
• Strong communication; relationship management and influencing abilities.
• Knowledge of products like OD, CC, BG, LC, and Imp/Exp limits.

Responsibilities

• Understand clients' business and provide working capital solutions across fund/non-fund based products.
• Manage the mapped portfolio through regular meetings, service clients, and enhance wallet share.
• Build a sustainable sourcing channel with DSAs, CAs, associations for new customers.
• Penetrate clients with Current Account, Term Deposits, Transaction Banking and Trade Finance.
• Develop relationships with CFOs/Promoters and build client trust.
• Focus on increasing book size and profitability of the portfolio.
• Understand client business model and identify growth opportunities.
• Monitor competitors and augment Kotak presence in target segments.
• Maintain high-caliber client service and process efficiency.
• Share rapport with other units to customize solutions and manage risk/delinquency.

Skills

Communication skills

Sales experience

Relationship management

Credit knowledge

Education

MBA or CA preferred

Job description

Position - Portfolio Relationship Manager - WC-Salaried PL And Working Capital-Sales

Department - WCG Portfolio

Reporting Relationship - Will report to TBM/ABM/RBM

Position Grade - M2/M3/M4

Job Role

• 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.
• To managed the mapped portfolio through regular meetings with the clients, to serve them, and to enhance the wallet share
• Build a sustainable direct sourcing channel by working closely with DSAs, CAs, associations etc. for new customer acquisition.
• 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 on continually increasing book size and profitability of the assigned portfolio.
• To understand client business model, 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
• Share rapport with other operating units to customize and develop solutions
• To ensure correct sourcing of clients is done and maintain high standard of hygiene parameters including managing risk/delinquency etc.

Job Requirement

• Excellent written and oral communication skills
• Preferably MBA/ CA
• Experience: 2-3 years experience in the local market preferably some background in Sales & Credit 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 OD, CC, BG, LC, Imp/Exp limits etc.