Relationship Manager - Agri-Finance

Kotak Mahindra Bank Limited; Karnal; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Kotak Mahindra Bank Limited is recruiting a Relationship Manager for AGRI-FIN and tractor loans with a field-heavy focus (80% field, 20% office). You will source working capital loans for agri-related sectors, MSMEs, and food processing units, building strong relationships with CAs, financial consultants and branch teams.

The role emphasizes speed, scale, and skill in credit coordination and customer service, operating across marketing branches and operations to ensure timely disbursements and

Qualifications

• Experience in sourcing working capital loans for Agri-related industries, food processing units and MSMEs.
• Strong interpersonal skills and financial acumen.
• Ability to build and maintain relationships with CAs, financial consultants, DMAs and Kotak Bank branches.
• Field-intensive role with 80% field and 20% office.

Responsibilities

• Sourcing working capital loans for Agri-related, food processing, and MSME industries.
• Achieve a minimum of 3 new cases per month and 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.
• Understand and evaluate financial documents including balance sheets and P&L statements.
• Maintain accurate documentation and reporting of business activities.
• Operate with the mantra of 'Speed, Scale, and Skill' in all business efforts.
• Maintain knowledge of local markets and customer needs.

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