Relationship Manager- Agri SME

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

Job summary

Kotak Mahindra Bank in Pune seeks a Relationship Manager to drive end-to-end business development, portfolio management, and client servicing across Agri, Food Processing, and MSME segments with working capital and term loan solutions.

You will source new relationships, grow the customer portfolio, and ensure high customer service levels while maintaining portfolio hygiene and profitability. Collaboration with Credit, Risk, Legal, and other teams is essential.

Responsibilities

• End-to-end business development, portfolio management, and client servicing for the bank.
• Sourcing new relationships and growing the customer portfolio across Agri, Food Processing, and MSME segments with working capital and term loan solutions.
• Maintain high customer service standards while building a sustainable customer base to drive asset and liability growth.
• Identify and develop channel partners to consistently achieve business targets profitably.
• Continuous monitoring of accounts to ensure budget adherence, portfolio hygiene, prevent delinquencies and ensure timely closure of post-disbursement conditions and security perfection.
• Deepen existing relationships through cross-selling liability and third-party products, coordinating with Credit, Risk, Legal, Technical, RCAD, and GR to meet customer requirements.

Job description

Role & responsibilities:

• Will be responsible for end-to-end business development, portfolio management, and client servicing.
• The role involves sourcing new relationships, managing and growing the existing customer portfolio across Agri, Food Processing, and MSME segments, and offering suitable working capital (fund-based/non-fund-based) and term loan solutions.
• To ensure a high standard of customer service while building a strong and sustainable customer base to drive both asset and liability growth.
• The role includes identifying and developing channel partners to consistently achieve business targets profitably.
• The RM continuous monitoring of accounts is required to ensure adherence to budgets, maintain portfolio hygiene, prevent delinquencies, and ensure timely closure of post-disbursement conditions and security perfection.
• The role also involves deepening existing relationships through cross-selling liability and third-party products, while actively collaborating with internal teams such as Credit, Risk, Legal, Technical, RCAD, and GR to effectively meet customer requirements.