Relationship Manager - Tractor and Crop Finance

Kotak Mahindra Bank; Bilaspur District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank is seeking a high-energy Relationship Manager – TFE to drive quality business in the MSME and Agri segments, focusing on working capital facilities and mortgage-related insights. The role is field-intensive (80% field, 20% office) with emphasis on lead generation, timely disbursement, and excellent stakeholder engagement.

The candidate should be proficient in English, Hindi, and the local language, with strong networking, negotiation, and follow-up skills to ensure consistent

Qualifications

• Experience in relationship management for MSME/Agri finance sectors.
• Strong communication in English, Hindi, and local language; network with stakeholders.
• Ability to analyze working capital finance and balance sheets; mortgage lending basics.

Responsibilities

• Source working capital loan facilities for Agri-related and MSME industries.
• Maintain a monthly disbursement pipeline with ticket sizes ₹2 crore to ₹25 crore.
• Achieve a minimum of 3 new cases per month and meet at least 2 new leads daily.
• Build and manage relationships with CAs, financial consultants, DMAs, and Kotak Bank branches.
• Collaborate with internal teams for seamless service delivery; ensure timely resolution of requirements.

Skills

Relationship management

MSME finance

Agri finance

Lead generation

Negotiation

Field sales

Job description

Relationship Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Marketing Branches Operations

We are seeking a high-energy, self-motivated Relationship Manager – TFE to drive quality business in the MSME segment, specifically targeting Agri-related industries, food processing units, and manufacturing sectors. The ideal candidate will be a strong team player with excellent communication skills in English, Hindi, and the local language, and possess a deep understanding of working capital finance, balance sheet analysis, and property/legal aspects of mortgage lending. This role is field-intensive (80% field, 20% office) and demands strong networking, negotiation, and follow-up skills to ensure consistent business sourcing and customer satisfaction.

• Source working capital loan facilities for Agri-related and MSME industries
• Ensure quality and size of business through effective lead generation and conversion
• Maintain a monthly disbursement pipeline with ticket sizes ranging from ₹2 crore to ₹25 crore
• Achieve a minimum of 3 new cases per month and meet at least 2 new leads daily
• Build and manage relationships with CAs, financial consultants, DMAs, and Kotak Bank branches
• Collaborate with internal teams (credit, trade finance, CMS, treasury, legal, operations) for seamless service delivery
• Ensure timely resolution of customer requirements and complaints
• Maintain strong follow-up and documentation standards
• Adhere to the mantra of “Speed, Scale, and Skill” in all business activities

Experience Level Mid Level