Relationship Manager - Commercial Vehicles

Kotak Mahindra Bank Limited; Kapurthala; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking a motivated Relationship Manager for the Small Commercial Vehicle segment in Kapurthala. You will manage the SCV customer portfolio, oversee end-to-end vehicle loan processes, and drive growth with dealers and clients.

The role emphasizes deposit mobilization, cross-selling financial products, and market development at branch level, requiring strong sales acumen and customer-centric approach.

Qualifications

• Experience managing SCV customer portfolios and delivering service excellence.
• End-to-end loan processing and disbursement experience for Commercial Vehicle loans.
• Strong collections and arrears management capabilities.
• Ability to identify market opportunities and drive sales growth.

Responsibilities

• Portfolio Management: Manage and maintain the existing portfolio of SCV customers with consistent engagement and service delivery.
• Oversee end-to-end Commercial Vehicle loans from onboarding to loan disbursement.
• Facilitate the complete loan processing with documentation, verification, and approvals.
• Regularly follow up on EMI payments and address delinquencies to minimize defaults.
• Explore and develop new market areas to support growth and strategy.
• Identify and create new opportunities to drive sales and expand customer base.
• Establish and maintain strong relationships with vehicle dealers and clients.

Skills

Portfolio management

Loan handling

Loan processing

Collections

Market development

Sales generation

Relationship building

Sales expertise

Job description

Relationship Manager - Commercial Vehicles-SCV - Small Commercial Vehicle-Retail Sales

We are seeking a motivated and experienced Relationship Manager to lead sales and customer engagement in the Small Commercial Vehicle (SCV) segment. The role focuses on deposit mobilization, cross-selling financial products, and ensuring operational excellence at the branch level. The ideal candidate will bring strong sales expertise, leadership qualities, and a customer-centric approach to drive business growth.

• Portfolio Management: Manage and maintain the existing portfolio of Small Commercial Vehicle (SCV) customers, ensuring consistent engagement and service delivery.
• Loan Handling: Oversee the end-to-end process of Commercial Vehicle loans (both new and used), from customer onboarding to loan disbursement.
• Loan Processing: Facilitate the complete loan process for vehicle financing, ensuring smooth documentation, verification, and timely approvals.
• Collections Follow-Up: Regularly follow up with customers for EMI payments and address arrears to ensure timely collections and minimize delinquencies.
• Market Development: Explore and develop new market areas, gathering relevant market intelligence to support business growth and strategy.
• Sales Generation: Proactively identify and create new market opportunities to drive sales and expand the customer base.
• Relationship Building: Establish and maintain strong relationships with vehicle dealers and existing clients to foster trust and long-term engagement.

Experience Level Mid Level