Business Relationship Manager

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