Relationship Manager - Tractor and Crop Finance

Kotak Mahindra Bank; Guntur District; On-site; INR 1,200,000 - 2,600,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Relationship Manager - TFE to drive MSME business focused on Agri-related industries, food processing units, and manufacturing sectors. This field-intensive role (80% field) requires strong networking, negotiation, and follow-up skills to secure quality credit facilities and maintain customer satisfaction.

The position emphasizes collaboration with credit, trade finance, CMS, treasury, and legal teams to deliver seamless service and maintain a robust disbursement

Qualifications

• Experience in working capital finance and MSME lending.
• Strong networking and negotiation skills.
• Proficiency in English and Hindi; local language advantageous.

Responsibilities

• 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

Skills

Lead generation

MSME finance

Relationship building

Negotiation

Field sales

Job description

Relationship Manager_Tractors and Farm Equipments (TFE)_0405_0571_1081988_HRR Relationship Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Marketing Branches Operations Job Description

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.

Responsibilities

• 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