Relationship Manager - Agri-Finance

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

Job summary

Kotak Mahindra Bank Limited is seeking a Relationship Manager – Agri-Finance to drive growth in tractor loans and retail segments. The role combines field sales (80%) with office coordination, focusing on sourcing working capital loans for Agri-related industries, food processing units, and MSMEs.

You will build and maintain relationships with CAs, financial consultants, DMAs, and Kotak branches, coordinate with credit and operations, and ensure timely disbursements and accurate documentation.

Qualifications

• Mid-level professional with hands-on experience in agri-finance lending.
• Strong ability to source working capital loans for agri-related sectors.
• Needs understanding of balance sheets and P&L for credit evaluation.
• Strong networking and follow-up skills.

Responsibilities

• Source working capital loans for Agri-related, food processing, and MSME industries.
• Achieve monthly disbursement targets with ticket sizes ₹2 crore to ₹25 crore.
• Develop and manage relationships with CAs, financial consultants, DMAs, Kotak branches.
• Collaborate with credit, operations, and legal teams for seamless service.
• Maintain documentation and timely reporting.

Skills

Interpersonal skills

Financial acumen

Market knowledge

Networking

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