Relationship Manager - Agri-Finance

Kotak Mahindra Bank; Gorakhpur District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank seeks a Relationship Manager – Agri-Finance to drive tractor loans and retail lending in a field-intensive role (80% field, 20% office). You will source working capital loans for Agri-related sectors, manage a growing customer base, and coordinate with multiple internal teams for fast, scalable service delivery.

The ideal candidate demonstrates strong interpersonal and financial skills, market knowledge, and the ability to build lasting relationships with banks, clients, and

Qualifications

• Strong interpersonal skills and financial acumen are essential for managing agri-finance relationships.
• Ability to understand local market dynamics and customer needs.
• Proven networking and negotiation capabilities with stakeholders.

Responsibilities

• Source working capital loans for Agri-related, food processing, and MSME industries.
• Ensure monthly disbursements with ticket sizes ₹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.

Skills

Interpersonal skills

Financial acumen

Local market understanding

Networking

Negotiation

Tech-savvy

Follow-up

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