Relationship Manager - Commercial Vehicles-SARAL Loans

Kotak Life Insurance; Nashik District; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Life Insurance in Nashik is seeking a Relationship Manager for Commercial Vehicles loans to drive business growth. You will source new loans, meet customers, and coordinate with branches to push disbursements.

The role requires field visits, strong interpersonal skills, and the ability to manage dealer relationships while guiding a sales team. Travel to regional branches is expected.

Qualifications

• Post Graduate Diploma in Management required.
• Excellent Interpersonal and People Management Skills.
• Strong Financial acumen.
• Stakeholder management & team handling skills.
• Innovative & Zeal to work on challenging assignments.
• Willingness to travel to understand regional processes.

Responsibilities

• Source and identify new Commercial Vehicles loan/business through branch locations.
• Meet customers to pitch products and conduct field visits.
• Prepare and collect loan documents from customers and issuing authorities.
• Coordinate with credit to log complete files and resolve queries for approvals.
• Assist customers for documentation, servicing interests and repayment of dues.
• Manage dealer relationships and identify new channels for business growth.
• Supervise, motivate and guide sales team; track productivity and performance.
• Provide market feedback to Product Team to tailor offerings.
• Publish daily performance reports and dashboards for supervisors.
• Travel to understand regional processes and structures.

Job description

Position - Relationship Manager - Commercial Vehicles-SARAL Loans-Marketing Branches Operations

Department - Commercial Bank- Commercial Vehicles Sales

Job Role

• Responsible for sourcing and identifying new business of Commercial Vehicles Loans /Term loans for the bank through focused CBRL Regular / Unbank locations across designated branch areas.
• Meeting individual customers to pitch in the product, conducting field visits.
• Prepare & collect loan documentations from customers, issuing authorities.
• Log in complete files with credit & resolve queries thereon for approvals.
• Assist customers/borrowers for documentation, servicing interests and repayment of dues.
• Assist customers for mortgage of collateral securities (land) in favor of bank.
• Collect PDD documents & update in bank system.
• Achieve the monthly volume and disbursement targets assigned.
• Manage existing dealer relationships & identify new channels for building business
• Supervise, motivate and guide sales team assigned and track their productivity & performance.
• Train & test sales team regularly on product knowledge and schemes.
• Share market feedback on product & schemes with Product Team in Head Office to develop customer specific product offerings.
• Help sales teams understand incentive schemes and dealer payout process.
• Publish daily performance reports & business dashboard to supervisors.
• Monitor approvals and disbursement TAT to remain competitive without compromising on companys norms & policies.
• Coordinate with operations, credit etc for necessary support & ensure loan disbursement within TAT.
• Identify bottlenecks / areas of development in the entire customer life cycle process and share insights with product desk.
• Look at efficacy of the products being deployed and work on improving the value proposition to the customers being targeted.
• Role will require travel to understand the insights of the regional process & structure.

• Post Graduate Diploma in Management.
• Excellent Interpersonal and People Management Skills.
• Strong Financial acumen.
• Stakeholder management & team handling skills.

• Innovative & Zeal to work on challenging assignments.