Portfolio Relationship Manager - SBE-Small Business Enterprise-Sales at Kotak Mahindra Bank

Bangalore, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

28 Aug, 26

Salary

0.0

Posted On

30 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Relationship Management, Credit Analysis, Sales, Working Capital Solutions, Portfolio Management, Cross Selling, Financial Analysis, Communication Skills, Influencing Skills, CASA Management, Forex Transactions, Risk Management

Industry

Banking

Description

Job Role * Manage and service existing portfolio of SBE clients (upto Rs.100 lacs) including renewal and enhancement of limits * Build strong and effective relationship with Promoters and build client trust and confidence * Understand business models, target segments, cash flows, structure working capital and business loan solutions to best suit customer needs. * Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. * Ensure timely renewal of limits * Ensure timely closure of all pending PDD’s. * Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. * Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. * Maintain optimum portfolio hygiene by ensuring client’s entire churn is routed through KMBL along with closure of other CA’s. * Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. * Ensure minimum delinquency and work towards exit of clients identified in EWS. * Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. * Liaison with internal departments – credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. * Drive cross sell products and book penetration in allocated set of clients. * Generate leads from existing customers and on-board new customer’s basis existing relationship management. * Maintain CASA book and generate float income by opening all group accounts. * Tracking of trade and forex transaction done by customer and generating income opportunities from this. Job Requirement * Preferably MBA/ CA * Experience: 2-3 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 OD, CC, BG, BL etc. * Excellent written and oral communication skills

Responsibilities

Manage and service a portfolio of Small Business Enterprise clients by structuring working capital and business loan solutions. Drive portfolio growth through limit enhancements, timely renewals, and cross-selling of financial products.