Relationship Manager_K1760_NEWREQPOS5628

Kotak Mahindra Bank Ltd; Maharashtra; Hybrid; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank Ltd seeks a high-energy Relationship Manager - Agri-Finance to drive Tractor Loans and Retail segment growth. 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 follow-up capabilities.

Qualifications

• Sourcing working capital loans for Agri-related, food processing, and MSME industries.
• Understand and evaluate balance sheets and P&L statements.
• Strong networking and relationship-building with CAs, consultants, DMAs, and branches.

Responsibilities

• 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 for seamless service delivery.
• Maintain timely resolution of customer requirements and complaints.
• Leverage knowledge of property/legal aspects for mortgage-based lending.
• Maintain accurate documentation and reporting of business activities.

Skills

Interpersonal skills

Financial acumen

Networking

Negotiation

Lead generation

Job description

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