Business Relationship Manager - SBE
Department
Small Business Enterprise (SBE)
Location
Bangalore
Reporting Relationship
IC
Position Grade
M1/M2
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 DST’s, 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
Understand client businesses and provide appropriate working capital solutions across fund/non-fund based products. Collaborate with branch banking teams for new customer acquisition. Cross-sell products such as Current Accounts, Term Deposits, Transaction Banking, and Trade Finance to primary and group companies. Build and maintain relationships with key client stakeholders (CFOs, promoters). Increase book size and profitability of the assigned portfolio.
Analyze client business models, trade activities, and cash flows to identify growth opportunities. Monitor competitive landscape and enhance Kotak’s brand presence in target segments. Ensure high-quality client service and timely resolution of queries. Drive process improvements and coordinate with operating units to develop customized solutions.
Job description provided by Kotak Mahindra Bank.
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