Trade Relationship Manager_Sales-Retail Sales_Bangalore

Kotak Mahindra Bank Ltd; Bengaluru; On-site; INR 800,000 - 1,400,000; Full time

Job summary

Kotak Mahindra Bank Ltd. in Bengaluru is seeking a Trade Relationship Manager to acquire and manage high-value Current Account clients engaged in international trade.

You will leverage trade finance knowledge to onboard clients, guide on rates and charges, and activate first trade transactions while ensuring strict KYC and RBI compliance. In this role you will identify high-potential markets, educate clients on trade offerings like LC, BG, and Bills Collection, and drive cross-sell of asset

Qualifications

• Experience in retail banking with trade-focused clients.
• Strong knowledge of trade finance products and services.
• Proven ability to onboard and manage high-value corporate clients.

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-level updates.
• Activate the first trade transaction post-account opening.
• Promote and cross-sell trade and related products such as LC, BG, BC, and Travel Cards.
• Generate leads for asset products and ensure smooth handover to branch operations.
• Educate clients on cut-off times and SLAs.
• Maintain a low cost of acquisition by focusing on high-value accounts.
• Coordinate with internal teams to ensure timely service delivery.
• Retain and grow the existing customer base through relationship management.
• Stay updated on AML, KYC, and RBI guidelines to ensure compliant growth.

Skills

Relationship management

Trade finance knowledge

KYC & compliance

Sales & negotiation

Customer onboarding

Market research

Cross-selling

AML awareness

Tools

CRM software

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.