Relationship Manager - Tractors and Farm Equipment Finance

Kotak Securities Limited; Dharwad District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Kotak Securities Limited in Karnataka seeks a proactive Relationship Manager for Tractors and Farm Equipment. You will source working capital facilities for agri-related industries and related sectors, manage mortgage-backed loans, and drive growth through strong networking with local clients and financial partners.

The role emphasizes field work (about 80%) with some office tasks, requires excellent communication in Hindi, local language and English, and active coordination across departments

Qualifications

• 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

Responsibilities

• Sourcing working capital loan facilities for MSME sectors including Agri, Food Processing and Agro processing industries
• Managing end-to-end loan processes with mortgage security and balance sheet familiarity
• Aiming for month-on-month disbursements with ticket sizes from Rs. 2 crore to Rs. 25 crore; minimum 3 new cases per month
• Meeting new CAs/Financial consultants and sourcing business from Kotak Bank branches and daily leads
• Maintaining excellent follow-up and ensuring speedy, quality customer service at local level
• Collaborating with trade finance, CMS, operations, treasury, legal and branch banking teams
• Coordinating with credit team for risk management and client expectations
• Willingness to travel extensively; field-based role (80%) with some office work; own vehicle with valid license

Skills

Excellent communication

Interpersonal skills

Team player

Techno-savvy

Negotiation skills

Sourcing

Language skills

Relationship management

Education

Post Graduate Diploma in Banking and Finance

Marketing and Finance (Major/Minor)

Job description

Relationship Manager_Tractors and Farm Equipments (TFE)_0405_8188_1094764_HRR 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