Relationship Manager_LIGHT COMMERCIAL VEHICLE_0405_0271_1085454_HRR

Kotak Mahindra Bank; Jaipur; Presencial; INR 550.000 - 850.000; Jornada completa

Descripción de la vacante

Kotak Mahindra Bank seeks a results-driven professional for Commercial Vehicle Finance sales in Jaipur. You will source and manage dealer networks, acquire NTB customers, and drive disbursement targets for LCV finance. You will also build relationships with dealers, coordinate with credit and operations, and ensure KYC/compliance.

Travel within the geography is expected. Candidate should have 2–8 years in CVF or related finance sales, with strong knowledge of LCV products, underwriting, and

Formación

• Graduate or postgraduate in any discipline.
• 2–8 years of experience in Commercial Vehicle Finance, Vehicle Loans, Auto Finance, or NBFC/Banking sales.
• Strong understanding of LCV products, underwriting basics, and market practices.
• Experience in dealer sourcing and channel management.

Responsabilidades

• Source new business through dealers, DSA channels, direct customers, and market references.
• Acquire NTB customers and deepen relationships with existing customers.
• Achieve monthly, quarterly, and annual disbursement targets for LCV finance.
• Identify opportunities in fleet operators, transporters, logistics companies, and individual vehicle owners.
• Build and maintain strong relationships with vehicle dealers and channel partners.
• Drive business through dealer engagement, product training, and regular market visits.
• Ensure dealer productivity and penetration across assigned territories.
• Conduct preliminary customer assessment and document collection.
• Coordinate with credit and operations teams for timely processing and disbursement.
• Ensure compliance with KYC, regulatory, and internal credit policies.
• Monitor customer repayment behavior and portfolio performance.
• Minimize delinquency and support collection efforts when required.
• Maintain portfolio quality within defined risk parameters.
• Provide end-to-end customer servicing from lead generation to loan disbursement.
• Resolve customer queries and ensure superior customer experience.
• Cross-sell banking products such as Insurance, CASA, FASTag, and other asset products.
• Track competitor offerings, pricing, and market trends.
• Identify new business opportunities and provide market feedback to management.

Conocimientos

Light Commercial Vehicle Finance

Commercial Vehicle Loans

Dealer Management

Channel Sales

Relationship Management

Credit Assessment

Customer Acquisition

Portfolio Management

Collection Coordination

Stakeholder Management

Cross-Selling

Market Development

Educación

Graduate/Postgraduate in any discipline

Herramientas

MS Excel

CRM applications

Descripción del empleo

Job Description

Key Responsibilities

Business Development

• Source new business through dealers, DSA channels, direct customers, and market references.
• Acquire New-to-Bank (NTB) customers and deepen relationships with existing customers.
• Achieve monthly, quarterly, and annual disbursement targets for LCV finance.
• Identify opportunities in fleet operators, transporters, logistics companies, and individual vehicle owners.

Dealer & Channel Management

• Build and maintain strong relationships with vehicle dealers and channel partners.
• Drive business through dealer engagement, product training, and regular market visits.
• Ensure dealer productivity and penetration across assigned territories.

Credit & Documentation

• Conduct preliminary customer assessment and document collection.
• Coordinate with credit and operations teams for timely processing and disbursement.
• Ensure compliance with KYC, regulatory, and internal credit policies.

Portfolio Management

• Monitor customer repayment behavior and portfolio performance.
• Minimize delinquency and support collection efforts when required.
• Maintain portfolio quality within defined risk parameters.

Customer Relationship Management

• Provide end-to-end customer servicing from lead generation to loan disbursement.
• Resolve customer queries and ensure superior customer experience.
• Cross-sell banking products such as Insurance, CASA, FASTag, and other asset products.

Market Intelligence

• Track competitor offerings, pricing, and market trends.
• Identify new business opportunities and provide market feedback to management.

Desired Candidate Profile

• Graduate/Postgraduate in any discipline.
• 2-8 years of experience in Commercial Vehicle Finance, Vehicle Loans, Auto Finance, or NBFC/Banking sales.
• Strong understanding of LCV products, underwriting basics, and market practices.
• Experience in dealer sourcing and channel management.
• Good communication, negotiation, and relationship management skills.
• Ability to work independently and achieve business targets.
• Proficient in MS Excel and CRM applications.
• Willingness to travel extensively within assigned geography.

Key Skills

• Light Commercial Vehicle Finance
• Commercial Vehicle Loans
• Dealer Management
• Channel Sales
• Relationship Management
• Credit Assessment
• Customer Acquisition
• Portfolio Management
• Collection Coordination
• Stakeholder Management
• Cross-Selling
• Market Development