Relationship Officer-SBE-Small Business Enterprise-Sales

Kotak Mahindra Bank; Uttar Pradesh; On-site; INR 350,000 - 550,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Relationship Officer- SBE to support a busy client portfolio in India. You will assist RMs, gather and verify documents, and ensure smooth onboarding and timely disbursement of working capital and loan solutions.

You will also engage with clients to understand their business needs and cross-sell suitable products. The role requires a graduation and strong communication, sales drive, and relationship management skills.

Qualifications

• Passionate about sales and client outreach.
• Strong customer orientation and relationship management.
• Excellent communication and influencing skills.
• Self-motivated with a proactive approach.
• Ability to build lasting client relationships.

Responsibilities

• Assist team with day-to-day tasks and coordinate with RMs for business activities.
• Collect client documents and ensure signatures and stamps are complete.
• Ensure accurate documentation and first-pass clearance of cases.
• Coordinate with internal teams to smooth processing of client transactions.
• Provide working capital and loan solutions to clients and cross-sell.
• Build relationships with branch teams to onboard customers.
• Follow up with clients to address concerns and close opportunities.

Skills

Sales orientation

Customer relationship

Communication skills

Self-motivated

Cross-selling

Education

Graduation

Job description

Job Description:

Role: Relationship Officer- SBE

Grade- E0

Job Description

• Assisting team in day to day tasks and coordinating with RMs for activities related to business.
• Document collection from client and to ensure completion of all the documents along with signatures and stamps.
• To ensure documentation is completed with utmost accuracy and to ensure the case is cleared in first pass.
• Coordinating with the internal teams for documentation to ensure smooth processing of client transactions.
• To understand clients business & provide appropriate working capital and business loan solutions.
• Deal across secured and unsecured lending such as Fund/ non-Fund based products like Cash Credit, Demand Loan, BG etc.
• Work closely with Branch Banking teams for new customer addition.
• To ensure smooth onboarding of the client and catering to client requirements.
• Coordinate with the internal teams, RMs or clients for completion of documentation relating to renewal/ modification/ enhancement or fresh disbursement.
• To coordinate with RMs for business related activities and also help in cross sell
• Calling active clients to encourage them to take up new facilities and products.
• Addressing client’s uncertainties, grievances and suggestions on time.
• Communicating requests and acceptances of offers to our sales team for closing.
• Recording all successful and unsuccessful attempts to close sale.
• Keep up quality service by adhering to organizational guidelines.
• To be updated about the latest product offerings and offers
• To understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products.
• To penetrate client with various products for the primary Relationship & Group companies.
• To build relationships with key persons in the target segments & build client trust & confidence.
• Focus to continually increase the Book size and profitability of the assigned portfolio.
• To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships.
• To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market
• Maintain high caliber client service.
• Improve efficiency by monitoring & overseeing continuous improvement of processes
• Constantly have a rapport with the operating units to customize and develop solutions

Job requirements

• Passionate to do sales
• Go Getter Attitude
• Strong Customer Orientation
• Self-Motivated
• Good relationship Management
• Good communication
• Good convincing & influencing skills
• Graduation is a must