Job Description

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Job Role

• To understand clients business & provide appropriate working capital solutions across fund/ non-fund based products like Cash Credit, Demand Loan, BG, LC, Import/Export limits etc

• Work closely with Branch Banking teams for new customer addition & Ensure Closure of cases where RM is facing issue to close the same.

• To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies & Drive team to achieve target and do the same.

• To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.

• Focus to continually increase the Book size and profitability of the assigned portfolio by way of Penetration into Key Hubs, Focused market of that location, also drive your team to same.

• To understand client business models, 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.

• Constantly have a rapport with the operating units to customize and develop solutions.

• Managing team of Relationship Managers. Achieving RM and self-target is expected.

• Take daily update on follow up plus reporting of respective team members and active one point contact towards resolution of any queries raised by the team.

• Preferably MBA/ CA

• Experience: 3-4 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 OD, CC, LC, BG, Import/Export limits etc
• Excellent written and oral communication skills

Kotak Mahindra Bank