Business Relationship Manager

Job Role:

• Understand clients' business and 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.
• Penetrate clients with various products like Current Account, Term Deposits, Transaction Banking, and Trade Finance for the primary relationship and group companies.
• Build relationships with key persons (CFOs/promoters) in the target segments and build client trust and confidence.
• Focus on continually increasing book size and profitability of the assigned portfolio.
• Understand client business model, trade-related activities, cash flows, etc. and identify opportunities to grow client relationships.
• Be alert to competitive elements in the target segments (other banks, etc.) and augment the presence and penetration of the Kotak brand in the target market.
• Maintain high-caliber client service.
• Improve efficiency by monitoring and overseeing continuous improvement of processes.
• Share rapport with other operating units to customize and develop solutions.
• Recruit DSTs, assist them in achieving their targets, and drive them towards company goals with Branch Banking as the main channel.

Job Requirement:

• Preferably MBA/CA.
• 1-3 years of experience in the local market, preferably with some background in credit and sales.
• Knowledge required: ability to get the customer to buy into the asset proposition, including loan amount, rate, and 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, and CC.
• Excellent written and oral communication skills.

Responsibilities:

• 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.