Relationship Manager - Agricultural Finance and Tractor Loans

Kotak Mahindra Bank; Dhar; On-site; INR 600,000 - 1,400,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Relationship Manager for Tractors and Farm Equipment in Dhar. The role is field-intensive (80% field, 20% office) and focuses on sourcing working capital loans for Agri-related industries, food processing units, and MSMEs, with emphasis on speedy, scalable service.

Strong networking and financial acumen are essential. Expect ongoing interaction with internal teams to ensure seamless service delivery and accurate documentation.

Qualifications

• Experience in agri-finance preferred
• Strong networking and negotiation skills
• Understanding of financial documents (balance sheets, P&L) helpful

Responsibilities

• Source working capital loans for Agri-related, food processing, and MSME industries
• Ensure monthly disbursements with ticket sizes ₹2 crore to ₹25 crore
• Achieve minimum targets: 3 new cases per month and 2 new leads daily
• Build relationships with CAs, financial consultants, DMAs, and Kotak Bank branches
• Collaborate with credit, trade finance, CMS, treasury, legal, operations teams
• Maintain follow-up and timely resolution of customer requirements and complaints
• Evaluate financial documents and mortgage-based lending considerations
• Maintain accurate documentation and reporting of activities
• Operate with speed, scale, and skill in all efforts

Skills

Relationship management

Agri-Finance

Field sales

Job description

Relationship Manager_Tractors and Farm Equipments (TFE)-Marketing Branches Operations_Dhar

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