Relationship Manager-CONSTRUCTION EQUIPMENT (CE)-Marketing Branches Operations

Kotak Mahindra Bank Ltd; Ludhiana; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank Ltd. seeks an experienced Relationship Manager to drive business development and customer engagement in the Construction Equipment sector.

You will source NTB clients and manage relationships with mid to large corporates, including infrastructure players. You will structure banking products such as cash credit, term loans, LC, BG, trade finance, and bill discounting, while ensuring regulatory compliance and branch profitability.

Qualifications

• Experience in retail liabilities, sales and team leadership.

Responsibilities

• Lead business development and customer engagement in CE segment.
• Enhance deposit base and cross-sell financial products.
• Ensure regulatory compliance and drive branch profitability.
• Handle lending and credit facilities such as Cash Credit/Overdraft, Term Loans, BG, LC, Bill Discounting.

Skills

Relationship management

New client acquisition

Retail liabilities

Sales

Team leadership

Cross-selling

Regulatory compliance

Job description

We are looking for a results-driven and experienced Relationship Manager to lead business development and customer engagement in the Construction Equipment (CE) segment. The role involves enhancing the deposit base, cross-selling financial products, ensuring regulatory compliance, and driving branch profitability. The ideal candidate should have a strong background in retail liabilities, sales, and team leadership.

Source New-to-Bank (NTB) clients to expand the customer base.

Manage relationships with mid and large corporates, including infrastructure companies.

Handle clients with annual turnover exceeding ₹25 crore and an average lending ticket size of over ₹10 crore.

Manage and structure various banking products, including:

• Cash Credit / Overdraft Limits
• Project Funding for EPC (Engineering, Procurement, and Construction) projects
• Term Loans / Foreign Currency Term Loans for working capital and equipment or plant & machinery purchases
• Bank Guarantee Limits
• Trade Products such as LC (Letter of Credit) limits for both import and domestic purchases
• Bill Discounting Limits, including LC-backed and BOE-backed
• Buyers Credit Limits