Relationship Manager - Tractor and Farm Equipment Finance

Kotak Mahindra Bank; Khordha; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Kotak Mahindra Bank is seeking a dynamic Relationship Manager – Agri-Finance to drive tractor loan and retail segment growth. This field-heavy role emphasizes sourcing working capital loans for Agri-related industries, MSMEs, and food processing units, with a target to expand the portfolio while ensuring top-notch customer satisfaction.

The candidate should be tech-savvy, adept at networking, and capable of delivering rapid, scalable results in a fast-paced market.

Qualifications

• Strong interpersonal skills and ability to build client trust.
• Solid understanding of financial statements and lending metrics.
• Knowledge of local market dynamics and customer needs.

Responsibilities

• Source working capital loans for Agri-finance, food processing, and MSMEs.
• Ensure monthly disbursements with ticket sizes from ₹2 crore to ₹25 crore.
• Achieve a minimum of 3 new cases per month and 2 new leads daily.
• Build and manage relationships with CAs, financial consultants, DMAs, and Kotak Bank branches.
• Collaborate with credit, trade finance, CMS, treasury, legal, and operations teams for seamless service delivery.
• Maintain follow-up and timely resolution of customer requirements and complaints.
• 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 efforts.

Skills

Interpersonal skills

Financial acumen

Market knowledge

Networking

Negotiation

Job description

Relationship Manager – Agri-Finance

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