Relationship Manager - Agri-Finance

Kotak Mahindra Bank Limited; Bhubaneshwar; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank Limited seeks a Relationship Manager – Agri-Finance to drive tractor loans and retail lending in a field-heavy role. You will source working capital loans for Agri-related businesses, MSMEs, and food processing units while building strong customer relationships and ensuring fast, quality service.

The role is 80% field with 20% office, requiring active networking, negotiation, and timely follow-up to achieve targets and superior portfolio quality.

Qualifications

• Experience sourcing working capital loans for Agri-related industries.
• Strong networking and relationship-building skills.
• Able to assess balance sheets and P&L statements.
• Comfortable with field-work and rapid follow-ups.

Responsibilities

• Source working capital loans for Agri-related, food processing, and MSME sectors.
• Ensure monthly disbursements with ticket sizes ₹2 crore to ₹25 crore.
• Achieve minimum 3 new cases per month and 2 new leads daily.
• Build relationships with CAs, financial consultants, DMAs, and Kotak branches.
• Coordinate with credit, trade finance, CMS, treasury, legal, and ops teams.

Skills

Relationship building

MSME lending

Agri-finance

Negotiation

Field sales

Job description

Relationship Manager-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Marketing Branches Operations

We are seeking a high-energy and self-motivated Relationship Manager – Agri-Finance to drive business in the Tractor Loans and Retail segment. The role involves sourcing working capital loans for Agri-related industries, food processing units, and MSMEs, while ensuring quality portfolio growth and customer satisfaction. The ideal candidate should possess strong interpersonal skills, financial acumen, and a deep understanding of local markets and customer needs. This is a field-intensive role (80% field, 20% office) requiring strong networking, negotiation, and follow-up capabilities. Candidates must be tech-savvy and committed to delivering results with speed, scale, and skill.

• Source working capital loans for Agri-related, food processing, and MSME industries
• Ensure monthly disbursements with ticket sizes ranging from ₹2 crore to ₹25 crore
• Achieve a minimum of 3 new cases per month and meet at least 2 new leads daily
• Build and manage relationships with CAs, financial consultants, DMAs, and Kotak Bank branches
• Collaborate with internal teams (credit, trade finance, CMS, treasury, legal, operations) for seamless service delivery
• Maintain strong follow-up and ensure timely resolution of customer requirements and complaints
• Understand and evaluate financial documents including balance sheets and P&L statements
• Leverage knowledge of property/legal aspects for mortgage-based lending
• Maintain accurate documentation and reporting of business activities
• Operate with the mantra of “Speed, Scale, and Skill” in all business efforts

Experience Level: Mid Level