Relationship Manager - HNI-Kotak Private Banking-Relationship Manager

Kotak Mahindra Bank Ltd; Kolkata District; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Kotak Mahindra Bank Ltd. invites an experienced Relationship Manager - HNI to manage and grow a portfolio of High Net-Worth Individuals.

You will deliver personalized wealth solutions, monitor markets, and work with product teams to offer integrated banking and investment products. The role emphasizes client acquisition, risk-aware financial planning, and cross-functional collaboration across banking, insurance, and research.

Qualifications

• Experience in managing high-net-worth client relationships and wealth advisory.
• Strong knowledge of financial markets and investment products.
• Ability to analyze client needs and tailor financial solutions.

Responsibilities

• Identify and acquire new HNI clients and expand the client base.
• Manage and grow a portfolio of HNI clients with personalized solutions.
• Provide investment advisory, asset allocation, and portfolio structuring guidance.
• Collaborate with banking, insurance, and investment teams to deliver integrated solutions.
• Ensure compliance with regulatory requirements and documentation standards.
• Meet and report on sales targets and contribute to AUM growth.

Skills

Client acquisition

Relationship management

Investment advisory

Portfolio management

Cross-functional collaboration

Sales target achievement

Regulatory compliance

Job description

As a Relationship Manager - HNI within Kotak Private Banking, you will play a pivotal role in managing and expanding a portfolio of High Net-Worth Individuals (HNIs). This role demands a deep understanding of financial markets, investment products, and client relationship management. You will be responsible for delivering customized financial solutions, driving asset growth, and ensuring exceptional client service. The ideal candidate will be entrepreneurial, self-driven, and passionate about wealth management.

As a Relationship Manager - HNI, your core responsibility is to manage and grow a portfolio of High Net-Worth Individuals by offering personalized financial solutions and delivering exceptional service. Your role will encompass the following key areas:

1. Client Acquisition & Business Development
   Identify and acquire new HNI clients through strategic networking, referrals, and market research.
   Explore and develop new territories to expand the client base and increase market penetration.
   Build a strong pipeline of prospective clients and convert leads into long-term relationships.
2. Relationship Management
   Serve as the primary point of contact for assigned HNI clients, ensuring consistent engagement and satisfaction.
   Understand clients’ financial goals, preferences, and risk profiles to deliver customized solutions.
   Strengthen client relationships to increase share of wallet and ensure long-term retention.
3. Investment Advisory & Financial Planning
   Provide expert guidance on financial planning, asset allocation, and portfolio structuring.
   Recommend suitable investment products across asset classes including equity, debt, mutual funds, structured products, and alternative investments.
   Stay abreast of market trends and economic developments to offer timely and relevant advice.
4. Portfolio Management & Revenue Growth
   Monitor client portfolios regularly to ensure alignment with financial objectives and market conditions.
   Drive growth in Assets Under Management (AUM) by cross-selling Kotak’s suite of banking and investment products.
   Identify opportunities to enhance revenue through upselling and product bundling.
5. Cross-Functional Collaboration
   Collaborate with internal teams across banking, insurance, and investment divisions to deliver comprehensive financial solutions.
   Coordinate with product specialists and research analysts to provide clients with expert insights and recommendations.
6. Compliance & Risk Management
   Ensure full compliance with regulatory requirements, internal policies, and documentation standards.
   Maintain high levels of confidentiality, integrity, and professionalism in all client interactions.
   Conduct periodic reviews and audits to ensure adherence to risk and compliance frameworks.
7. Sales Target Achievement
   Consistently meet and exceed assigned sales targets, revenue goals, and client acquisition metrics.
   Prepare and present performance reports to management, highlighting achievements and areas for improvement.
   Participate in strategic planning and contribute to the overall growth of the Private Banking business.