Relationship Manager - Tractor and Crop Finance

Kotak Mahindra Bank Limited; Katihar; On-site; INR 600,000 - 1,400,000; Full time

Job summary

Kotak Mahindra Bank Limited invites a proactive Relationship Manager – TFE to accelerate growth in Agri-finance and MSME lending. This field-heavy role (80% field) focuses on sourcing working capital facilities for agri-related industries, food processing units, and manufacturing sectors, with a disbursement pipeline up to ₹25 crore.

You will collaborate with credit, CMS, treasury, and legal teams to ensure timely service delivery, maintain strong follow-up and documentation, and cultivate

Responsibilities

• Drive quality business in the MSME segment targeting Agri-related industries, food processing units, and manufacturing sectors.
• Source working capital loan facilities for Agri-related and MSME industries.
• 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.

Skills

MSME lending

Agri-finance

Networking

Negotiation

Lead generation

Communication skills (Eng/Hindi/local)

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.