Relationship Manager - Light Commercial Vehicle Finance

Kotak Mahindra Bank Limited; Gurugram District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank is hiring a Relationship Manager for Light Commercial Vehicle finance in India. You will source new business through dealers, DSAs, and direct clients while expanding relationships with NTB and existing customers.

You will drive disbursement targets, manage dealer partnerships, perform credit coordination, and ensure KYC/compliance. Travel across the assigned geography is expected.

Qualifications

• 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.
• Good communication, negotiation, and relationship management skills.
• Ability to travel extensively within assigned geography.
• Proficient in MS Excel and CRM applications.

Responsibilities

• 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 individuals.
• Build and maintain strong relationships with vehicle dealers and channel partners.
• Drive business through dealer engagement, product training, and market visits.
• Ensure dealer productivity and penetration across territories.
• Conduct preliminary customer assessment and document collection.
• Coordinate with credit and operations 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.
• Resolve customer queries and ensure superior customer experience.
• Cross-sell banking products including Insurance, CASA, FASTag, and other assets.
• Track competitor offerings, pricing, and market trends.
• Identify new business opportunities and provide market feedback to management.

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

Senior Level Experience

Education

Graduate/Postgraduate in any discipline

Job description

Relationship Manager_LIGHT COMMERCIAL VEHICLE_0405_4289_1094984_HRR

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
• Experience Level Senior Level