Trade Relationship Manager_K1288_NEWREQPOS504

Kotak Mahindra Bank Ltd; Mumbai; On-site; INR 800,000 - 1,000,000; Full time

Job summary

Kotak Mahindra Bank Ltd is seeking a Trade Relationship Manager in Mumbai to acquire and manage high-value Current Account customers engaged in international trade. You will advise on trade finance products, ensure KYC/regulatory compliance, and drive business growth through effective relationship management.

You will educate clients on rates and SLAs, activate first trade transactions, and cross-sell LC, BG, BC, and related services, while maintaining a low cost of acquisition and meeting

Qualifications

• Must understand trade finance products and RBI guidelines.
• Strong KYC/AML compliance knowledge is required.
• Experience in acquiring high-value Current Account customers.

Responsibilities

• Acquire quality Current Account customers involved in international trade.
• Identify and target high-potential markets and customer segments.
• Ensure complete compliance with KYC and regulatory norms during acquisition.
• Guide customers on applicable rates, charges, and ensure system updates.
• Activate the first trade transaction post-account opening.
• Promote and cross-sell trade and related products (LC, BG, BC, etc.).
• Generate leads for asset products and ensure smooth handover to branches.
• Educate clients on cut-off times and SLAs; maintain low CAC.
• Achieve business and income targets; monitor competitors and report insights.

Skills

Relationship management

Trade finance knowledge

KYC/AML compliance

Regulatory compliance

Lead generation

Cross-selling

Onboarding

Customer acquisition

Communication skills

Job description

As a Trade Relationship Manager in the Retail Sales vertical, you will be responsible for acquiring and managing high-value Current Account customers engaged in international trade. This role requires a strong understanding of trade finance products, regulatory compliance, and customer relationship management. You will work closely with internal teams and external clients to drive business growth, ensure smooth onboarding, and deliver a seamless banking experience. The role involves identifying potential markets and segments, educating clients on trade-related offerings, and activating trade transactions. You will also be expected to generate leads for asset products, ensure adherence to KYC and compliance norms, and maintain a low cost of acquisition by targeting high-value clients. Your ability to build long-term relationships, resolve client issues, and stay updated on market trends will be key to success in this role.

• Acquire quality Current Account customers involved in international trade.
• Identify and target high-potential markets and customer segments.
• Ensure complete compliance with KYC and regulatory norms during acquisition.
• Guide customers on applicable rates, charges, and ensure system-level updates.
• Activate the first trade transaction post-account opening.
• Promote and cross-sell trade and FES products such as:
  • Forward Contracts
  • Letters of Credit (LC)
  • Bank Guarantees (BG)
  • Bill Collection (BC)
  • Travel Cards
• Encourage clients to maintain high Average Monthly Balances (AMB).
• Generate leads for asset products and ensure smooth handover to branch operations.
• Educate clients on cut-off times and service-level agreements (SLAs).
• Maintain a low cost of acquisition by focusing on high-value accounts.
• Achieve business and income targets consistently.
• Monitor competitor activities and share insights with Area Sales Managers (ASMs).
• Coordinate with internal teams to ensure timely service delivery.
• Retain and grow the existing customer base through relationship management.
• Handle and escal
• Ensure proper documentation and KYC for agent empanelment.
• Deliver effective sales pitches and participate in promotional activities.
• Submit reports and updates to management as required.
• Stay updated on AML, KYC, and RBI guidelines to ensure compliant growth.