Relationship Manager - Agri-Finance

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

Job summary

Kotak Mahindra Bank Limited is seeking a proactive Relationship Manager for Agri-Finance, Tractor Loans and Retail, with an 80% field focus. You will source working capital loans for Agri-related and MSME sectors, build relationships with CAs and branch teams, and coordinate with credit and operations to deliver fast, scalable service.

The role emphasizes strong networking, negotiation, and financial aptitude to grow a quality loan portfolio while ensuring customer satisfaction and timely

Qualifications

• Strong interpersonal and communication skills.
• Solid financial understanding and ability to analyze balance sheets and P&L statements.

Responsibilities

• Source working capital loans for Agri-related, food processing, and MSME sectors.
• Achieve monthly disbursement targets with ticket sizes from ₹2 crore to ₹25 crore.
• Develop and maintain relationships with CAs, financial consultants, DMAs, and Kotak Bank branches.
• Collaborate with internal teams (credit, trade finance, CMS, treasury, legal, operations) for service delivery.
• Maintain strong follow-up and 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.

Skills

Interpersonal skills

Financial acumen

Networking

Negotiation

Follow-up

Tech-savvy

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