The Portfolio Relationship Manager (PRM) in the SME segment of Wholesale Banking is responsible for managing and growing a portfolio of corporate clients with turnover ranging from ₹50 to ₹500 crores. This role involves deep relationship management, credit handling, and cross-selling of banking solutions tailored to the unique needs of emerging corporates. The PRM acts as a single point of contact (SPOC) for all client requirements, ensuring high levels of service, profitability, and portfolio hygiene.
- Portfolio Management
- Manage and grow the existing client portfolio by maintaining strong relationships and understanding client needs.
- Handle credit renewals, limit enhancements, and ensure timely documentation and compliance.
- Monitor portfolio health and ensure adherence to internal risk and credit guidelines.
- Client Acquisition & Relationship Ownership
- Refer and onboard New-To-Bank (NTB) accounts by identifying potential clients and presenting Kotak’s value proposition.
- Act as the SPOC for all client interactions, ensuring seamless coordination across products and services.
- Build long-term relationships with clients to enhance engagement and retention.
- Cross-Selling & Revenue Growth
- Identify opportunities to cross-sell Trade Finance, Forex, and Cash Management Services (CMS) solutions.
- Collaborate with internal product teams to deliver customized solutions that meet client requirements.
- Drive revenue growth through increased product penetration and wallet share.
- Portfolio Profitability & Hygiene
- Ensure profitability of the managed portfolio by optimizing pricing, product mix, and service delivery.
- Maintain portfolio hygiene by ensuring timely renewals, documentation, and compliance with credit norms.
- Track and manage delinquencies, if any, and take proactive steps to mitigate risks.
- Internal & External Stakeholder Management
- Liaise with internal teams such as BIU, Product, Risk, and Leadership to ensure smooth service delivery.
- Represent client interests internally and ensure timely resolution of service issues.
- Maintain strong external relationships with clients, auditors, and other stakeholders.
Qualifications & Experience
Graduate (mandatory); MBA or Chartered Accountant (preferred).
Prior experience in SME banking, corporate relationship management, or credit appraisal is desirable.
Job description provided by Kotak Mahindra Bank.
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