Relationship Manager_LIGHT COMMERCIAL VEHICLE_0405_4289_1094984_HRR

Kotak Mahindra Bank; Gurugram District; Presencial; INR 600 000 - 1 200 000; Tempo integral

Resumo da oferta

Kotak Mahindra Bank is seeking a field-based sales professional in India with expertise in Light Commercial Vehicle (LCV) finance and channel management. The role involves sourcing new business through dealers and direct channels, acquiring NTB customers, and achieving disbursement targets while ensuring compliance and strong customer service.

The ideal candidate will have 2–8 years in Commercial Vehicle Finance or NBFC/banking sales, adept at relationship building, credit basics, and travel

Qualificações

• 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.
• Willingness to travel extensively within assigned geography.

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.
• Coordinate with credit and operations teams for timely processing and disbursement.
• Ensure compliance with KYC, regulatory, and internal credit policies.
• Monitor portfolio performance and minimize delinquency.
• Provide end-to-end customer servicing from lead generation to loan disbursement.
• Cross-sell banking products (Insurance, CASA, FASTag, etc.).
• Track competitor offerings and market trends.

Conhecimentos

LCV Finance

CV Loans

Dealer Management

Channel Sales

Relationship Management

Credit Assessment

Customer Acquisition

Portfolio Management

Collection Coordination

Stakeholder Management

Cross-Selling

Market Development

Formação académica

Graduate/Postgraduate

Ferramentas

MS Excel

CRM applications

Descrição da oferta de emprego

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