Walk-in | Business Relationship Manager

Kotak Mahindra Bank; Chennai; Sur place; INR 500 000 - 800 000; Plein temps

Résumé du poste

Kotak Mahindra Bank in Chennai seeks a Business Loans specialist to understand client business and offer suitable loan solutions. The role covers fund and non-fund based products, and requires building relationships with CFOs and promoters while working with Branch Banking to add customers.

Drive cross-sell across accounts, deposits, and trade finance, grow the portfolio profitability, and stay vigilant on competition to expand Kotak's market presence.

Qualifications

• MBA or CA preferred.
• 1–3 years local market experience, sales-oriented.
• Strong oral and written communication skills.
• Ability to drive cross-sell across banking products.
• Relationship management with CFOs and promoters.
• Understanding of asset propositions, rates and fees.

Responsabilités

• Understand clients' business and provide appropriate business loan solutions.
• Deal across fund and non-fund based products like cash credit, demand loan, LC, BG, etc.
• Work with branch teams to add new customers.
• Penetrate clients with current accounts, deposits, trade finance, and transactions banking.
• Build relationships with key persons (CFOs/promoters) to gain trust.
• Increase book size and profitability of the portfolio.
• Understand client business models and cash flows to grow relationships.
• Monitor competition and augment Kotak brand presence in the market.
• Maintain high-caliber client service and process improvements.
• Collaborate with other units to customize solutions.
• Support DSTs recruitment and drive targets via Branch Banking channel.

Connaissances

MBA

CA

Sales knowledge

Strong communication

Relationship management

Influencing skills

Product knowledge (BL/OD/CC)

Formation

MBA

CA

Description du poste

Business Loans

Job Role

• To understand clients business & provide appropriate business loan solutions.
• Deal across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc.
• Work closely with Branch Banking teams for new customer addition.
• To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies.
• To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.
• Focus on continually increasing book size and profitability of the assigned portfolio.
• To understand client business model, 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
• Share rapport with other operating units to customize and develop solutions
• Recruiting DSTs, assisting them in achieving their targets and driving them towards company goals with Branch Banking as the main channel.

Job Requirement

• Preferably MBA/ CA
• Experience: 1-3 years experience in the local market preferably some background in Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees.
• Strong oral and written Communication
• Relationship Management Skill
• Good influencing skills
• Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL, OD, CC.
• Excellent written and oral communication skills