Relationship Manager - Tractor and Farm Equipment Finance

Kotak Mahindra Bank Limited; Junagadh; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Kotak Mahindra Bank Limited – Junagadh is seeking a high-energy Relationship Manager for Agri-Finance focusing on Tractor Loans and Retail segments. The role emphasizes field work (80%) to source working capital loans for farming, food processing, and MSMEs, while ensuring portfolio quality and customer satisfaction.

The ideal candidate will possess strong interpersonal skills, financial acumen, and deep local market knowledge, with a proactive approach to networking, negotiation, and fast

Qualifications

• Strong interpersonal skills and financial acumen are essential.
• Proven networking and negotiation abilities.
• Tech-savviness to adopt digital tools for field work and client engagement.

Responsibilities

• Source working capital loans for Agri-related, food processing, and MSME sectors.
• Achieve monthly disbursement targets with large ticket sizes (₹2 crore to ₹25 crore).
• Build and manage relationships with CAs, financial consultants, DMAs, and Kotak Bank branches.
• Collaborate with internal teams for seamless service delivery and timely follow-ups.
• Understand financial documents like balance sheets and P&L statements.

Skills

Interpersonal skills

Financial acumen

Networking

Negotiation

Tech-savvy

Job description

Relationship Manager_Tractors and Farm Equipments (TFE)-Marketing Branches Operations_Junagadh

We are seeking a high-energy and self-motivated Relationship Manager – Agri-Finance to drive business in the Tractor Loans and Retail segment. The role involves sourcing working capital loans for Agri-related industries, food processing units, and MSMEs, while ensuring quality portfolio growth and customer satisfaction. The ideal candidate should possess strong interpersonal skills, financial acumen, and a deep understanding of local markets and customer needs. This is a field-intensive role (80% field, 20% office) requiring strong networking, negotiation, and follow-up capabilities. Candidates must be tech-savvy and committed to delivering results with speed, scale, and skill.

• Source working capital loans for Agri-related, food processing, and MSME industries
• Ensure monthly disbursements 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
• Maintain strong follow-up and ensure timely resolution of customer requirements and complaints
• Understand and evaluate financial documents including balance sheets and P&L statements
• Leverage knowledge of property/legal aspects for mortgage-based lending
• Maintain accurate documentation and reporting of business activities
• Operate with the mantra of “Speed, Scale, and Skill” in all business efforts

Experience Level Mid Level