Relationship Manager - Agricultural Finance and Tractor Loans

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

Job summary

Kotak Mahindra Bank in Dharwad invites a proactive Relationship Manager – Agri-Finance to drive Tractor Loans and MSME credit in the local market. You will source working capital loans for agri-related industries, food processing units, and MSMEs while ensuring quality portfolio growth and customer satisfaction.

This field-intensive role (80% field, 20% office) requires strong networking, negotiation, and quick problem-solving.

Qualifications

• Strong interpersonal skills and financial acumen.
• Deep understanding of local markets and customer needs.
• Tech-savvy with ability to use digital tools for fieldwork.
• Field-oriented role, 80% field, 20% office.

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 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 for seamless service delivery.
• Maintain strong follow-up and 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_Tractors and Farm Equipments (TFE)-Marketing Branches Operations_Dharwad

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