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Relationship Manager-CONSTRUCTION EQUIPMENT (CE)-Marketing Branches Operati at Kotak Mahindra Bank

Ganganagar, Rajasthan, India -

Full Time

Start Date

Immediate

Expiry Date

10 Jun, 26

Salary

0.0

Posted On

12 Mar, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Team Leadership, Portfolio Expansion, Working Capital Loans, Term Loans, Local Geography Knowledge, Recruitment, NPA Collection, Portfolio Monitoring, Cross-selling, Loan Renewal, Credit Collaboration, Legal Collaboration, Process Improvement, Relationship Management

Industry

Banking

Description

Role: Regional Manager Function- ARB Crop Loans Grade- M6 JD: Job Roles: * Lead a team of Area Managers to expand the existing customer portfolio in crop loans (KCC) by offering tailored Working Capital and Term Loan products. * Possess thorough knowledge of the local geography and cropping patterns, with the ability to swiftly recruit high-quality team members. * Oversee interest and NPA collections within the assigned area. * Regularly monitor accounts to prevent delinquencies, maintain portfolio hygiene, ensure timely closure of post-disbursement deferrals, and perfect security measures. * Strengthen relationships with existing customers by cross-selling additional asset and third-party products. * Ensure timely renewal of existing loans * Collaborate with Credit and Legal teams to address customer requirements and manage disbursements. * Enhance efficiency by monitoring processes and suggesting improvements based on ground realities and market trends. Job Requirements: * Bachelors or Master’s degree in Agriculture, Business Administration, or a related field. * Excellent oral and written communication skills. * Proficient in relationship management. * Strong leadership abilities. * Knowledge of the local market is a plus. * At least 10 years of experience in rural or crop loans

Responsibilities

The role involves leading a team of Area Managers to grow the crop loan portfolio by offering tailored working capital and term loan products, while overseeing collections and maintaining portfolio hygiene. Responsibilities also include strengthening customer relationships through cross-selling and ensuring timely loan renewals in collaboration with Credit and Legal teams.