Relationship Manager - Tractor and Crop Finance

Kotak Mahindra Bank Limited; Bhubaneshwar; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Relationship Manager for Tractor and Crop Finance (TFE). The role emphasizes sourcing and disbursing working capital loans to agri-related industries, with a strong focus on local networking and customer service.

Candidates should be self-motivated, tech-savvy and capable of coordinating across branches and departments. A valid driving license and willingness to travel are preferred for field duties.

Qualifications

• Post Graduate Diploma / Post Graduate in Banking and Finance with emphasis in Marketing and Finance preferred.
• Strong oral and written communication skills are essential.
• Knowledge of local language (Hindi) along with English is required; good interpersonal skills and networking ability.

Responsibilities

• Source Working Capital Loan facilities for MSME sectors including Agro and Food Processing.
• Aim for monthly disbursements with ticket sizes ranging from Rs. 2 crore to Rs. 25 crore.
• Meet 2 new leads daily and establish relationships with CAs/Financial Consultants, DMAs, and branch teams.
• Coordinate with trade finance, CMS, operations, treasury and legal for seamless service.
• Collaborate with credit team to manage client expectations and risk.
• Role is 80% field work and 20% office work; own vehicle with valid driving license is required.

Skills

Self-motivated

Communication skills

Networking

Team player

Tech-savvy

Education

Post Graduate Diploma / Post Graduate in Banking & Finance

Major/Minor in Marketing & Finance

Job description

Relationship Manager - Tractor and Crop Finance_Tractors and Farm Equipments (TFE)_0405_7243_1094803 Role- Relationship Manager

Job Description

Job Profile :

• Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of “Speed, Scale and Skill”.
• Able to source Working capital Loan facilities to Agri Related Industries and Food Processing and Agro Processing Industries and Other Manufacturing Industry in MSME Segment and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others.
• Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 25 crore. Each RM is expected to do minimum 3 New Cases per month. He is expected to meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis, he has to meet at-leats 2 New Leads every working day.
• Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality.
• Collaborate with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service
• Closely work with credit team for managing client expectation and effective risk management
• Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license.

Job Requirements

• Post Graduate Diploma / Post Graduate in Banking and Finance / And (Major / Minor) Marketing and Finance will have edge over others
• Strong oral and written Communication
• Relationship Management Skill l
• HDFC BBG RM of grade E2 and E3 are preferable Experience Level Mid Level