Relationship Manager - Portfolio - Agri Business Group

Kotak Life Insurance; Bhopal; On-site; INR 450,000 - 650,000; Full time

Job summary

Kotak Mahindra Bank in India seeks a Relationship Manager to build and grow a portfolio in the Agri, MSME and SME segments, offering Working capital and Term Loan products. The role focuses on service quality, loan penetration, and revenue growth in a dynamic banking environment.

Ideal candidates will have strong communication and relationship skills, with a background in banking, finance, or related fields, and the ability to engage with diverse stakeholders in local markets.

Qualifications

• CA/Graduate/Postgraduate in Banking & Finance; MBAs may apply.
• People from Agri input industries, accounting firms, NBFCs, MFIs can apply.
• Strong oral and written communication; relationship management skills.

Responsibilities

• Manage and grow existing portfolio of Agri, Food processing & MSME customers with Working capital and Term Loan products.
• Deepen relationships through cross-sell of liabilities and other third-party products.
• Regular monitoring of accounts to ensure delinquencies, portfolio hygiene and timely closures.
• Engage with Credit, Risk, Legal, RCAD and GR teams to address customer requirements.

Skills

Relationship management

Communication skills

Self-motivation

Local language knowledge (advantage)

Education

CA/Graduate/Postgraduate in Banking & Finance

Job description

Positon - Relationship Manager-Portfolio-Agri Business Group (ABG)-Marketing Branches Operations

Opportunity to work with Best Bank of Country Kotak Mahindra Bank

Department - Agri Business Group (Agri SME Working Capital Loans)

Reporting to Area Sales Manager (ASM)Location Candidate should be self-motivated & strong relationship management skills. Requires decent communication skill, understanding of local language will be an advantage.

To manage and grow existing portfolio of customers in Agri, Food processing & MSME Industries byoffering loan products in line with customer requirements of Working capital (fund based/non-fundbased) & Term Loan facilities Build a strong & robust customer base to increase both assets and liabilities, earn revenue by providingthem high standards of service on an ongoing basis.

Deepening relationship with existing customers through Cross sell liability & other third party products. Continuous monitoring of the accounts to ensure business is a per budgets Regular monitoring of accounts to ensure there are no delinquencies, portfolio hygiene, postdisbursement deferrals closure in time, security perfection

To engage with Credit & risk function, legal & technical teams, RCAD & GR team for customer requirements.

CA / Graduate / Post Graduate Diploma / Post Graduate in Banking and Finance / Fresher CAs and MBAs can also apply People from different industries, such as from Agri Input Industries / Accounting firms / insurance companies / rating agencies / NBFCs / MFI Industries / Branch banking background can also apply. Strong oral and written Communication Relationship Management Skills.