Relationship Manager - Tractor and Farm Equipment Finance

Kotak Mahindra Bank Limited; Ranchi; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Kotak Mahindra Bank Limited in Ranchi seeks a high-energy Relationship Manager – Agri-Finance to drive Tractor Loans and Retail segments. The role focuses on sourcing working capital loans for Agri-related industries, MSMEs, and food processing units, with a strong emphasis on speed, scale, and customer satisfaction.

This field-intensive position (80% field, 20% office) requires networking, negotiation, and the ability to evaluate balance sheets and P&L statements.

Qualifications

• Strong interpersonal skills and field networking ability are essential.
• Ability to read and analyze financial documents (balance sheets, P&L).
• Tech-savvy with comfort using common business tools.

Responsibilities

• 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 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

Skills

Interpersonal skills

Networking

Negotiation

Financial acumen

Field sales

Customer service

Job description

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

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