Relationship Manager - Tractor and Crop Finance

Kotak Mahindra Bank Limited; Khordha; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Relationship Manager for Tractor and Crop Finance in Odisha. The role involves sourcing working capital loans for Agri and allied industries, meeting 2–3 new leads daily, and coordinating with branches and departments to deliver fast, quality service.

Candidate should have strong communication, networking, and relationship management skills, with willingness to travel and manage a high-volume field workload.

Qualifications

• Post Graduate Diploma / Post Graduate in Banking and Finance (Marketing and Finance edge).
• Strong oral and written communication skills.
• Relationship management skills.
• Experience level: mid level; preferable experience with HDFC BBG RM grades E2/E3.

Responsibilities

• Source working capital loan facilities for MSME, agri, and related sectors.
• Meet monthly target with ticket sizes from Rs. 2 crore to Rs. 25 crore; aim for at least 3 new cases per month.
• Meet new CAs/financial consultants, DMAs, Kotak Bank branches; source business daily.
• Coordinate between departments and branches to ensure speedy, high‑quality service.

Skills

Communication skills

Hindi English

Networking

Customer handling

Education

Postgraduate Diploma in Banking & Finance

Job description

Relationship Manager - Tractor and Crop Finance_Tractors and Farm Equipments (TFE)_0405_7243_1094802

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