Relationship Manager-AGRI-FIN-TRACTOR LOANS AND RETAIL

Kotak Mahindra Bank Limited; Vadodara; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking a dynamic Relationship Manager to lead retail sales in AGRI-FIN and Tractor Loans, focusing on deposits, cross-selling, and customer relationship management. The role emphasizes regulatory compliance, profitability, and team productivity across the branch.

You will collaborate with product and marketing teams to drive new offerings. The position requires strong banking knowledge and a proven track record in retail liabilities and sales, with a

Qualifications

• Experience in banking, particularly in retail liabilities.
• Strong background in retail sales and customer relationship management.

Responsibilities

• Lead retail sales initiatives in AGRI-FIN and Tractor Loans and Retail segments.
• Drive cross-selling of Mutual Funds, Insurance, and other non-deposit products.
• Deliver high standards of customer service and liaison with internal teams for seamless service.
• Oversee branch operations, regulatory compliance, productivity, and branch profitability.
• Collaborate with product management and marketing for new products and service enhancements.
• Demonstrate leadership with a Thinker:Doer ratio of 40:60 and foster a performance-driven team culture.

Skills

Relationship management

Sales targets

Cross-selling

Regulatory compliance

Customer service

Team leadership

Banking knowledge

Product collaboration

Job description

Relationship Manager-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Retail Sales

We are seeking a dynamic and results-driven Relationship Manager to lead retail sales initiatives in the AGRI-FIN and Tractor Loans segment. The ideal candidate will have a strong background in banking, particularly in retail liabilities, and a proven track record in sales and customer relationship management. This role involves enhancing the deposit pool, cross-selling financial products, and ensuring regulatory compliance while driving branch profitability and team productivity.

Sales & Business Development

• Enhance the deposit pool from existing and new customers.
• Drive sales of non-deposit products including Mutual Funds and Insurance.
• Achieve cross-selling targets progressively across product categories.
• Generate fee income through strategic product placement.

Customer Relationship Management

• Deliver high standards of customer service and ensure customer satisfaction.
• Liaise with internal teams to ensure seamless customer service and delight.
• Act as a key point of contact for high-value clients in the AGRI-FIN and Tractor Loans segment.

Branch Operations & Compliance

• Oversee branch administration and ensure adherence to regulatory compliance.
• Manage overall productivity and morale of branch team members.
• Ensure the branch meets its break-even targets and contributes positively to the P&L.

Strategic Collaboration

• Work closely with product management, marketing, and other verticals for new product development and service enhancements.
• Contribute to sales initiatives and tactical planning.

Leadership & Team Management

• Demonstrate strong leadership skills with a tactical focus.
• Balance strategic thinking with execution (Thinker:Doer ratio of 40:60).
• Foster a collaborative and performance-driven team culture.

Experience Level Mid Level