Relationship Manager - Agri-Finance

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

Job summary

Kotak Mahindra Bank Limited is seeking a mid-level Relationship Manager – Agri-Finance to drive Tractor Loans and Retail lending with a field-heavy focus. Source working capital loans for Agri-related industries and MSMEs, manage disbursements up to ₹25 crore, and build networks with CAs, consultants, and branches.

The role emphasizes speed, scale, and skilled client service in a dynamic market. The position requires strong interpersonal and financial analysis skills, with coordination across

Qualifications

• Experience in relationship management in agri-finance preferred.
• Ability to assess financial documents (balance sheets, P&L).
• Field-based sales experience advantageous.

Responsibilities

• 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 for seamless service delivery
• Maintain 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

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