Job Purpose
To manage and grow a portfolio of Small Business Enterprise (SBE) customers by providing financial solutions, maintaining strong client relationships, and ensuring portfolio quality through regular monitoring and risk management.
Key Responsibilities
- Manage an assigned portfolio of SBE customers and act as the primary relationship manager.
- Deepen existing customer relationships through cross-selling banking products such as Business Loans, Working Capital, Current Accounts, Trade Services, Insurance, and Investment Products.
- Achieve portfolio growth targets in terms of assets, liabilities, and revenue.
- Conduct regular customer visits to understand business requirements and identify business opportunities.
- Analyze financial statements, banking transactions, and credit requirements to recommend suitable banking solutions.
- Ensure quality of portfolio by monitoring repayment behavior and minimizing delinquencies.
- Coordinate with credit, operations, and service teams for timely processing of customer requests.
- Ensure compliance with regulatory guidelines, bank policies, and KYC requirements.
- Maintain accurate customer records and portfolio data in the bank's systems.
- Track market trends and competitor activities to enhance customer engagement and business acquisition.
Required Qualifications
- Graduate in any discipline (MBA/PGDM preferred).
- 2 to 8 years of experience in Business Banking, SME Banking, Relationship Management, or Sales.
- Strong understanding of SBE/SME lending products and credit assessment.
- Knowledge of financial statement analysis and banking operations.
- Good communication, relationship management, and negotiation skills.
Job description provided by Kotak Mahindra Bank.
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