Relationship Manager - Tractor and Crop Finance

Kotak Mahindra Bank Limited; Kota; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank Limited in Kota, Rajasthan seeks a proactive Relationship Manager for Tractor and Crop Finance to source and grow Agri-related MSME business. The role combines field activity with structured office collaboration to deliver timely financing solutions.

The candidate will coordinate with credit, trade finance, and operations teams while building a network of CAs and financial consultants to sustain a robust loan pipeline.

Qualifications

• Experience in working capital finance and MSME lending.
• Knowledge of mortgage lending property and legal aspects.
• Strong communication in English, Hindi, and local language.

Responsibilities

• Source working capital loan facilities for Agri-related and MSME industries.
• Maintain quality and size of business through lead generation and conversion.
• Manage monthly disbursement pipeline with ticket sizes from ₹2 crore to ₹25 crore.
• Achieve a minimum of 3 new cases per month and target 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.

Skills

Networking

Negotiation

Lead generation

Client relationship management

Field sales

Communication skills

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.

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