Relationship Manager_K2046_NEWREQPOS5983

Kotak Mahindra Bank Ltd; West Bengal; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank Ltd in India seeks a high-energy Relationship Manager - Agri-Finance to drive growth in tractor loans, retail lending and MSMEs. This field-intensive role involves sourcing working capital loans, building networks with CAs and consultants, and ensuring quality portfolio growth.

You will assess financial documents, coordinate with credit and operations teams, and deliver speedy service while maintaining strong follow-up with customers and stakeholders.

Qualifications

• Experience in agri-finance and MSME lending preferred.
• Strong financial acumen and ability to read financial statements.
• Excellent interpersonal and negotiation skills.

Responsibilities

• Source working capital loans for agribusinesses, food processing units and MSMEs.
• Achieve monthly disbursements with ticket sizes ₹2 crore to ₹25 crore.
• Cultivate and manage relationships with CAs, financial consultants and branch staff.
• Collaborate with credit, trade finance, CMS, treasury, legal and operations teams for seamless service.
• Maintain follow-up and timely resolution of customer requirements and complaints.
• Evaluate financial documents including balance sheets and P&L statements.
• Leverage knowledge of property and legal aspects for mortgage-based lending.
• Maintain accurate documentation and reporting of business activities.
• Embody speed, scale and skill in all business efforts.

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