Walk-in | Business Relationship Manager

Kotak Mahindra Bank; Thane, Navi Mumbai, Mumbai; On-site; INR 450,000 - 600,000; Full time

Job summary

Kotak Mahindra Bank invites a Small Business Enterprise (SBE) professional to understand client business and offer working capital and loan solutions, including Cash Credit, Demand Loan, LC and BG. The role reports to SBE team and focuses on building a robust SMB portfolio in Thane/Maharashtra region.

You will work closely with Branch Banking to add new customers, penetrate with products like Current Accounts, term deposits, and Trade Finance, and develop relationships with CFOs and promoters to

Qualifications

• MBA or CA qualification as preferred.
• 1–3 years of local market experience in Credit and Sales.
• Strong oral and written communication skills.
• Relationship management and ability to influence.
• Knowledge of banking products like BL, OD, CC.

Responsibilities

• Understand clients business and offer working capital and loan solutions.
• Deal across fund/non-fund based products (Cash Credit, Demand Loan, LC, BG).
• Collaborate with Branch Banking teams to acquire new customers.
• Cross-sell products such as Current Accounts, term deposits, and Trade Finance.
• Build relationships with CFOs/promoters in target segments.
• Grow book size and profitability of the portfolio.
• Monitor competition and enhance Kotak presence.
• Maintain high caliber client service and effective processes.
• Recruit DSTs and guide them toward targets.

Skills

Communication

Relationship Management

Influencing skills

Sales knowledge

Education

MBA

CA

Job description

Small Business Enterprise (SBE)

Job Role

• To understand clients business & provide appropriate working capital and 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 Credit & 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