Trade Relationship Manager_Sales-Retail Sales_Pune

Kotak Mahindra Bank Ltd; Pune District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Mahindra Bank Ltd is seeking a Trade Relationship Manager in the Retail Sales vertical. This role focuses on acquiring and managing high-value Current Account customers engaged in international trade, with emphasis on trade finance products, regulatory compliance, and strong client relationships.

Responsibilities include identifying markets, onboarding clients, promoting trade offerings, and achieving targets while maintaining low acquisition costs through high-value accounts.

Qualifications

• Knowledge of trade finance products and regulatory norms.
• Strong relationship-building and client-facing skills.
• Experience with KYC/AML compliance and onboarding processes.

Responsibilities

• Acquire quality Current Account customers involved in international trade.
• Identify and target high-potential markets and segments.
• Guide customers on rates, charges and system updates.
• Activate first trade transaction post-account opening.
• Promote trade products like LC, forward contracts, BG, BC.

Skills

Trade finance knowledge

Relationship management

KYC & AML compliance

Sales skills

Customer onboarding

Education

MBA/PGDM in Finance or related field

Tools

CRM systems

MS Excel

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.