Relationship Manager - Agri-Finance

Kotak Mahindra Bank Limited; Junagadh; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking a high-energy Relationship Manager for Agri-Finance to drive tractors loan and retail segments with focus on working capital finance for Agri-related industries, MSMEs, and food processors. The role is 80% field and 20% office, emphasizing networking, speed, scale, and accuracy in execution.

The candidate should navigate local markets, build strong client relationships, and coordinate with credit and operations teams to ensure timely disbursements and

Qualifications

• Experience sourcing working capital loans for Agri-related, food processing, and MSME sectors.
• Ability to assess financial documents like balance sheets and P&L statements.
• Understanding of local market dynamics and customer needs in Gujarat and nearby regions.
• Proven networking skills with CAs, financial consultants, DMAs, and branch teams.
• Comfort with high-field workload and fast-paced environments.
• Strong negotiation and follow-up capabilities for timely deal closure.

Responsibilities

• Source working capital loans for Agri-related, food processing, and MSME industries
• Ensure monthly disbursements with ticket sizes ₹2 crore–₹25 crore
• Achieve at least 3 new cases per month and meet 2 new leads daily
• Build and manage relationships with CAs, financial consultants, DMAs, and Kotak 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 knowledge

Networking

Negotiation

Follow-up

Tech-savvy

Relationship management

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