Trade Relationship Manager_K1368_NEWREQPOS2281

Kotak Mahindra Bank Ltd; Mumbai; On-site; INR 1,500,000 - 1,900,000; Full time

Job summary

Kotak Mahindra Bank Ltd is seeking a Trade Relationship Manager in Mumbai to acquire and manage high-value Current Accounts for international trade clients. You will navigate trade finance offerings, ensure regulatory compliance, and drive seamless onboarding while building long-term relationships.

You will educate clients on trade-related products, activate initial trade transactions, and generate leads for asset products, maintaining low acquisition costs and meeting targets.

Qualifications

• Experience in trade finance products and banking operations
• Strong knowledge of KYC/compliance norms
• Customer relationship management skills
• Ability to generate leads for asset products

Responsibilities

• Acquire quality Current Account customers involved in international trade.
• Identify high-potential markets and customer segments.
• Ensure KYC and regulatory compliance during acquisition.
• Educate clients on rates, charges, and system updates.
• Activate first trade transaction post-account opening.
• Promote and cross-sell trade and related products (LC, BG, BC, Travel Cards).
• Maintain high AMB and hand over to branch operations smoothly.
• Educate clients on cut-off times and SLAs.
• Aim for consistent achievement of business targets.
• Monitor competitor activity and share insights with ASMs.

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.