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Relationship Manager-LAP-Loan Against Property-Sales at Kotak Mahindra Bank
New Delhi, delhi, India - Full Time
Skills Needed
Customer Acquisition, Cross Selling, Customer Satisfaction, Relationship Management, Sales
Specialization
The job requires strong sales skills and the ability to manage customer relationships effectively. Experience in the banking sector, particularly in LAP sales, is likely beneficial.
Experience Required
Minimum 2 year(s)
Acquisition Manager-RL SALES-Sales at Kotak Mahindra Bank
Tirunelveli, tamil nadu, India - Full Time
Skills Needed
Deposit Pool Enhancement, Service Delivery, Non Deposit Product Sales, Cross Selling, Mf Sales, Insurance Sales, Fee Income Generation, Branch Administration, Regulatory Compliance, Team Productivity Management, P&L Responsibility, Retail Liabilities Experience, Sales Experience, Leadership Skills, Financial Instrument Understanding, Customer Service Cycle Management
Specialization
Candidates must possess an overall 6 years of banking experience, with 3 to 4 years specifically in Retail Liabilities, including proven sales exposure, preferably in liabilities products. Required qualifications include an MBA, CA, or CAIB, along with good tactical leadership skills and an in-depth understanding of financial markets and economic processes.
Experience Required
Minimum 5 year(s)
Senior Trade Relationship Manager-Sales-Retail Sales at Kotak Mahindra Bank
, Punjab, India - Full Time
Skills Needed
Trade Finance, Forex Business, Customer Engagement, Relationship Management, Sales, Lead Conversion, Financial Solutions, Asset Management, Process Discipline, Banking Solutions, Commercial Asset Sourcing, Consumer Asset Sourcing
Specialization
The role requires a strong understanding of trade finance and proven experience in customer engagement and relationship building. Candidates must possess a proactive mindset and the ability to maintain process discipline while delivering results in a competitive market.
Experience Required
Minimum 5 year(s)
Relationship Manager-Loan Against Property-Sales at Kotak Mahindra Bank
New Delhi, delhi, India - Full Time
Skills Needed
Loan Against Property, Secured Loan Sales, Sales Management, Distribution Management, Customer Relationship Management, Direct Sales Teams Management, Direct Marketing Agents Management, Cross Selling, Business Growth, Project Approvals, Retail Customer Acquisition, Channel Management
Specialization
The ideal candidate must possess a strong background in secured loan sales and excellent customer relationship management skills. The role requires the ability to manage and train Direct Sales Teams (DSTs) and Direct Marketing Agents (DMAs) while also cross-selling banking products.
Experience Required
Minimum 5 year(s)
Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operat at Kotak Mahindra Bank
, Madhya Pradesh, India - Full Time
Skills Needed
Customer Oriented, Sourcing, Relationship Management, Loan Processing, Sales Mindset, Interpersonal Skills, Gold Loan Products, Branch Operations
Specialization
The ideal candidate must possess strong interpersonal skills and a proactive sales mindset to succeed in this customer-oriented position. A good understanding of gold loan products and branch operations is also required.
811-CEC Officer-Inbound-Digital Banking Kotak 811-Contact Centre Inbound at Kotak Mahindra Bank
Noida, Uttar Pradesh, India - Full Time
Skills Needed
Communication Skills, Customer Service, Problem Solving, Sales Conversion, Record Keeping, Banking Solutions
Specialization
Candidates must possess excellent communication skills and maintain a customer-first approach while operating effectively in a demanding, target-driven environment. The position requires the ability to accurately document all customer interactions.
Business Relationship Manager - WC-SALARIED PL AND WORKING CAPITAL-Sales at Kotak Mahindra Bank
, gujarat, India - Full Time
Skills Needed
Relationship Management, Working Capital, Credit Analysis, Portfolio Management, Client Engagement, Financial Analysis, Sales, Compliance, Documentation Management, Cross Selling
Specialization
The role requires a proactive professional capable of monitoring client utilization patterns and coordinating with internal departments to resolve issues. A Bachelor's degree is required for this position.
Experience Required
Minimum 2 year(s)
Next Gen-Premier Acquisition Manager-Sales-Sales at Kotak Mahindra Bank
Guwahati, Assam, India - Full Time
Skills Needed
Leadership, Management, Sales Strategy, Client Relationship Management, Market Analysis, Performance Review, Regulatory Compliance, Sales Campaign Collaboration, Lead Generation, Sales Reporting, Crm Systems, Sales Analytics, Communication, Interpersonal Skills, Analytical Mindset, Organizational Skills
Specialization
Candidates must possess a Bachelor's degree in Business, Finance, or a related field, along with a minimum of 5 years of successful sales experience, preferably in a similar leadership role. Essential qualifications include excellent leadership, strong communication skills, proficiency with CRM and sales analytics tools, and a customer-centric approach.
Experience Required
Minimum 5 year(s)
Operations Team Member-Liability Operations-RPC Operations at Kotak Mahindra Bank
, karnataka, India - Full Time
Skills Needed
Attention To Detail, Timely Processing, Communication, Query Resolution, Tech Savvy, Process Oriented, Accuracy
Specialization
The ideal candidate must possess strong attention to detail and be capable of maintaining high accuracy while handling operational tasks. The role requires the candidate to be tech-savvy and process-oriented to ensure efficient service delivery.
Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operat at Kotak Mahindra Bank
Kalyan-Dombivli, maharashtra, India - Full Time
Skills Needed
Customer Orientation, Interpersonal Skills, Sales Mindset, Gold Loan Products, Branch Operations
Specialization
The ideal candidate should possess strong interpersonal skills and a sales mindset. A good understanding of gold loan products and branch operations is also required.
811-CEC Officer-Outbound-Digital Banking Kotak 811-Contact Centre Outbound at Kotak Mahindra Bank
Thane, maharashtra, India - Full Time
Skills Needed
Communication, Customer Service, Sales, Listening, Learning, Positive Attitude, Integrity, Teamwork, Self Motivation, Rapport Building
Specialization
Candidates must be graduates with 1-2 years of experience, including at least 6 months in customer service. Strong verbal and written communication, sales flair, and a positive, team-oriented attitude are essential.
Credit Manager-Commercial Vehicle (CV)-Retail-Credit Common Cost Allocation at Kotak Mahindra Bank
Hyderabad, Telangana, India - Full Time
Skills Needed
Credit Management, Commercial Vehicle Loans, Loan Proposals, Document Validation, Data Checking, Ncif, Cfr Reports, Core Check, Tvr
Specialization
The role requires performing online data checks such as NCIF and CFR reports, conducting Core checks, and verifying Transaction Value Reports (TVR) with all relevant parties.
Experience Required
Minimum 2 year(s)
Next Gen-Premier Acquisition Manager-Business Banking-Sales-Sales at Kotak Mahindra Bank
Kolkata, west bengal, India - Full Time
Skills Needed
Sales Strategy, Client Acquisition, Business Banking, Team Management, Sales Targets, Marketing Initiatives, Leadership, Mentoring, Communication, Interpersonal Skills, Client Centric Approach, Analytical Skills, Problem Solving, Banking Products, Crm Systems, Sales Analytics
Specialization
Candidates must possess a minimum of 5 years of experience in business banking sales with a proven track record of premier client acquisition. Essential requirements include demonstrated leadership, strong analytical abilities, knowledge of banking products, and proficiency with CRM and sales analytics tools.
Experience Required
Minimum 5 year(s)
Business Relationship Manager - SBE-Small Business Enterprise-Sales at Kotak Mahindra Bank
Jaipur, Rajasthan, India - Full Time
Skills Needed
Working Capital Solutions, Fund Based Products, Non Fund Based Products, Cash Credit, Demand Loan, Buyers Credit, Letter Of Credit, Bank Guarantee, Customer Addition, Relationship Building, Portfolio Growth, Profitability Analysis, Client Service, Process Improvement, Trade Finance, Transaction Banking
Specialization
The candidate must focus on continually increasing the book size and profitability of their assigned portfolio by understanding client business models, trade activities, and cash flows to identify growth opportunities. A key requirement is maintaining high-caliber client service and monitoring processes for continuous improvement while staying alert to competitive elements in the target segments.
Experience Required
Minimum 2 year(s)
Operations Team Member-OPS-CMS Operations at Kotak Mahindra Bank
Mumbai, maharashtra, India - Full Time
Skills Needed
Payment Products, Regulatory Guidelines, Banking Systems, Transaction Processing, Reconciliation, Mis Reporting, Internal Controls, Service Level Agreements, Neft, Rtgs, Imps, Internal Transfers, Pool Account Reconciliations, Dashboard Publishing, Performance Reporting, System Issue Resolution
Specialization
The ideal candidate must possess strong domain knowledge in payment products, regulatory guidelines, and banking systems. The role requires technical proficiency for executing transactions and coordinating with support teams to resolve operational issues.
Experience Required
Minimum 2 year(s)
Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operat at Kotak Mahindra Bank
Ghaziabad, Uttar Pradesh, India - Full Time
Skills Needed
Customer Oriented, Interpersonal Skills, Sales Mindset, Gold Loan Products, Branch Operations
Specialization
The ideal candidate should possess strong interpersonal skills and a sales mindset. A good understanding of gold loan products and branch operations is also required.
Territory Relationship Manager-811 Digital Sales|Digital Banking Kotak 811| at Kotak Mahindra Bank
, maharashtra, India - Full Time
Skills Needed
Sales Strategies, Digital Banking, Customer Acquisition, Relationship Building, Communication, Interpersonal Skills, Crm Systems, Sales Analytics Tools, Problem Solving, Self Motivated, Results Driven, Travel
Specialization
Candidates must possess a Bachelor's degree, preferably in Business or Marketing, along with a minimum of three years of sales experience, ideally within the banking or financial services sector. Strong proficiency in digital banking products, CRM systems, and excellent relationship-building skills are essential.
Experience Required
Minimum 2 year(s)
Next Gen-Premier Acquisition Manager-Sales-Sales at Kotak Mahindra Bank
Kolkata, west bengal, India - Full Time
Skills Needed
Leadership, Management, Sales Strategy, Client Relationship Building, Market Trend Analysis, Performance Review, Regulatory Compliance, Sales Campaign Collaboration, Lead Generation, Sales Reporting, Crm Systems, Sales Analytics Tools, Customer Acquisition, High Net Worth Individuals, Coaching, Mentorship
Specialization
Candidates must possess a Bachelor's degree in Business, Finance, or a related field, along with a minimum of 5 years of successful sales experience, preferably in a similar leadership role. Essential qualifications include excellent leadership, strong communication skills, proficiency with CRM and sales analytics tools, and the ability to maintain strong client relationships.
Experience Required
Minimum 5 year(s)
Acquisition Manager-RL SALES-Sales at Kotak Mahindra Bank
, gujarat, India - Full Time
Skills Needed
Sales, Retail Banking, Customer Acquisition, Relationship Management, Channel Partner Management, Compliance, Documentation, Home Loans, Loan Against Property, Personal Loans
Specialization
The role requires a Bachelor's degree and the ability to meet sales targets for various retail loan products. Candidates should be skilled in identifying potential customers and managing the end-to-end sales process.
Experience Required
Minimum 2 year(s)
Relationship Manager - Affluent-AFFLUENT-Relationship Manager at Kotak Mahindra Bank
Delhi, , India - Full Time
Skills Needed
Relationship Management, Client Acquisition, High Net Worth Individual (Hni) Management, Financial Acumen, Banking Solutions, Liability Management, Asset Management, Investment Products, Revenue Growth, Portfolio Management, Cross Selling, Client Engagement, Compliance, Advisory Capabilities, Sales
Specialization
This role requires a deep understanding of client needs and strong financial acumen to provide advisory capabilities combining sales and relationship management. Candidates must be capable of conducting portfolio reviews, identifying cross-sell opportunities, and organizing client initiatives.
Experience Required
Minimum 5 year(s)
Relationship Manager-LAP-Loan Against Property-Sales at Kotak Mahindra Bank
New Delhi, delhi, India -
Full Time

Start Date

Immediate

Expiry Date

06 May, 26

Salary

0.0

Posted On

05 Feb, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Customer Acquisition, Cross-Selling, Customer Satisfaction, Relationship Management, Sales

Industry

Banking

Description
As a Relationship Manager in the LAP Sales department, you will play a crucial role in driving the bank's LAP business. Your primary focus will be on acquiring new customers, cross-selling bank products, and ensuring customer satisfaction. You will be expected to work closely with the bank's relationship teams to deliver an exceptional customer experience.
Responsibilities
As a Relationship Manager, you will focus on acquiring new customers and cross-selling bank products. You will also ensure customer satisfaction and work closely with relationship teams.
Relationship Manager-LAP-Loan Against Property-Sales at Kotak Mahindra Bank
New Delhi, delhi, India - Full Time
Skills Needed
Customer Acquisition, Cross Selling, Customer Satisfaction, Relationship Management, Sales
Specialization
The job requires strong sales skills and the ability to manage customer relationships effectively. Experience in the banking sector, particularly in LAP sales, is likely beneficial.
Experience Required
Minimum 2 year(s)
Acquisition Manager-RL SALES-Sales at Kotak Mahindra Bank
Tirunelveli, tamil nadu, India - Full Time
Skills Needed
Deposit Pool Enhancement, Service Delivery, Non Deposit Product Sales, Cross Selling, Mf Sales, Insurance Sales, Fee Income Generation, Branch Administration, Regulatory Compliance, Team Productivity Management, P&L Responsibility, Retail Liabilities Experience, Sales Experience, Leadership Skills, Financial Instrument Understanding, Customer Service Cycle Management
Specialization
Candidates must possess an overall 6 years of banking experience, with 3 to 4 years specifically in Retail Liabilities, including proven sales exposure, preferably in liabilities products. Required qualifications include an MBA, CA, or CAIB, along with good tactical leadership skills and an in-depth understanding of financial markets and economic processes.
Experience Required
Minimum 5 year(s)
Senior Trade Relationship Manager-Sales-Retail Sales at Kotak Mahindra Bank
, Punjab, India - Full Time
Skills Needed
Trade Finance, Forex Business, Customer Engagement, Relationship Management, Sales, Lead Conversion, Financial Solutions, Asset Management, Process Discipline, Banking Solutions, Commercial Asset Sourcing, Consumer Asset Sourcing
Specialization
The role requires a strong understanding of trade finance and proven experience in customer engagement and relationship building. Candidates must possess a proactive mindset and the ability to maintain process discipline while delivering results in a competitive market.
Experience Required
Minimum 5 year(s)
Relationship Manager-Loan Against Property-Sales at Kotak Mahindra Bank
New Delhi, delhi, India - Full Time
Skills Needed
Loan Against Property, Secured Loan Sales, Sales Management, Distribution Management, Customer Relationship Management, Direct Sales Teams Management, Direct Marketing Agents Management, Cross Selling, Business Growth, Project Approvals, Retail Customer Acquisition, Channel Management
Specialization
The ideal candidate must possess a strong background in secured loan sales and excellent customer relationship management skills. The role requires the ability to manage and train Direct Sales Teams (DSTs) and Direct Marketing Agents (DMAs) while also cross-selling banking products.
Experience Required
Minimum 5 year(s)
Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operat at Kotak Mahindra Bank
, Madhya Pradesh, India - Full Time
Skills Needed
Customer Oriented, Sourcing, Relationship Management, Loan Processing, Sales Mindset, Interpersonal Skills, Gold Loan Products, Branch Operations
Specialization
The ideal candidate must possess strong interpersonal skills and a proactive sales mindset to succeed in this customer-oriented position. A good understanding of gold loan products and branch operations is also required.
811-CEC Officer-Inbound-Digital Banking Kotak 811-Contact Centre Inbound at Kotak Mahindra Bank
Noida, Uttar Pradesh, India - Full Time
Skills Needed
Communication Skills, Customer Service, Problem Solving, Sales Conversion, Record Keeping, Banking Solutions
Specialization
Candidates must possess excellent communication skills and maintain a customer-first approach while operating effectively in a demanding, target-driven environment. The position requires the ability to accurately document all customer interactions.
Business Relationship Manager - WC-SALARIED PL AND WORKING CAPITAL-Sales at Kotak Mahindra Bank
, gujarat, India - Full Time
Skills Needed
Relationship Management, Working Capital, Credit Analysis, Portfolio Management, Client Engagement, Financial Analysis, Sales, Compliance, Documentation Management, Cross Selling
Specialization
The role requires a proactive professional capable of monitoring client utilization patterns and coordinating with internal departments to resolve issues. A Bachelor's degree is required for this position.
Experience Required
Minimum 2 year(s)
Next Gen-Premier Acquisition Manager-Sales-Sales at Kotak Mahindra Bank
Guwahati, Assam, India - Full Time
Skills Needed
Leadership, Management, Sales Strategy, Client Relationship Management, Market Analysis, Performance Review, Regulatory Compliance, Sales Campaign Collaboration, Lead Generation, Sales Reporting, Crm Systems, Sales Analytics, Communication, Interpersonal Skills, Analytical Mindset, Organizational Skills
Specialization
Candidates must possess a Bachelor's degree in Business, Finance, or a related field, along with a minimum of 5 years of successful sales experience, preferably in a similar leadership role. Essential qualifications include excellent leadership, strong communication skills, proficiency with CRM and sales analytics tools, and a customer-centric approach.
Experience Required
Minimum 5 year(s)
Operations Team Member-Liability Operations-RPC Operations at Kotak Mahindra Bank
, karnataka, India - Full Time
Skills Needed
Attention To Detail, Timely Processing, Communication, Query Resolution, Tech Savvy, Process Oriented, Accuracy
Specialization
The ideal candidate must possess strong attention to detail and be capable of maintaining high accuracy while handling operational tasks. The role requires the candidate to be tech-savvy and process-oriented to ensure efficient service delivery.
Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operat at Kotak Mahindra Bank
Kalyan-Dombivli, maharashtra, India - Full Time
Skills Needed
Customer Orientation, Interpersonal Skills, Sales Mindset, Gold Loan Products, Branch Operations
Specialization
The ideal candidate should possess strong interpersonal skills and a sales mindset. A good understanding of gold loan products and branch operations is also required.
811-CEC Officer-Outbound-Digital Banking Kotak 811-Contact Centre Outbound at Kotak Mahindra Bank
Thane, maharashtra, India - Full Time
Skills Needed
Communication, Customer Service, Sales, Listening, Learning, Positive Attitude, Integrity, Teamwork, Self Motivation, Rapport Building
Specialization
Candidates must be graduates with 1-2 years of experience, including at least 6 months in customer service. Strong verbal and written communication, sales flair, and a positive, team-oriented attitude are essential.
Credit Manager-Commercial Vehicle (CV)-Retail-Credit Common Cost Allocation at Kotak Mahindra Bank
Hyderabad, Telangana, India - Full Time
Skills Needed
Credit Management, Commercial Vehicle Loans, Loan Proposals, Document Validation, Data Checking, Ncif, Cfr Reports, Core Check, Tvr
Specialization
The role requires performing online data checks such as NCIF and CFR reports, conducting Core checks, and verifying Transaction Value Reports (TVR) with all relevant parties.
Experience Required
Minimum 2 year(s)
Next Gen-Premier Acquisition Manager-Business Banking-Sales-Sales at Kotak Mahindra Bank
Kolkata, west bengal, India - Full Time
Skills Needed
Sales Strategy, Client Acquisition, Business Banking, Team Management, Sales Targets, Marketing Initiatives, Leadership, Mentoring, Communication, Interpersonal Skills, Client Centric Approach, Analytical Skills, Problem Solving, Banking Products, Crm Systems, Sales Analytics
Specialization
Candidates must possess a minimum of 5 years of experience in business banking sales with a proven track record of premier client acquisition. Essential requirements include demonstrated leadership, strong analytical abilities, knowledge of banking products, and proficiency with CRM and sales analytics tools.
Experience Required
Minimum 5 year(s)
Business Relationship Manager - SBE-Small Business Enterprise-Sales at Kotak Mahindra Bank
Jaipur, Rajasthan, India - Full Time
Skills Needed
Working Capital Solutions, Fund Based Products, Non Fund Based Products, Cash Credit, Demand Loan, Buyers Credit, Letter Of Credit, Bank Guarantee, Customer Addition, Relationship Building, Portfolio Growth, Profitability Analysis, Client Service, Process Improvement, Trade Finance, Transaction Banking
Specialization
The candidate must focus on continually increasing the book size and profitability of their assigned portfolio by understanding client business models, trade activities, and cash flows to identify growth opportunities. A key requirement is maintaining high-caliber client service and monitoring processes for continuous improvement while staying alert to competitive elements in the target segments.
Experience Required
Minimum 2 year(s)
Operations Team Member-OPS-CMS Operations at Kotak Mahindra Bank
Mumbai, maharashtra, India - Full Time
Skills Needed
Payment Products, Regulatory Guidelines, Banking Systems, Transaction Processing, Reconciliation, Mis Reporting, Internal Controls, Service Level Agreements, Neft, Rtgs, Imps, Internal Transfers, Pool Account Reconciliations, Dashboard Publishing, Performance Reporting, System Issue Resolution
Specialization
The ideal candidate must possess strong domain knowledge in payment products, regulatory guidelines, and banking systems. The role requires technical proficiency for executing transactions and coordinating with support teams to resolve operational issues.
Experience Required
Minimum 2 year(s)
Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operat at Kotak Mahindra Bank
Ghaziabad, Uttar Pradesh, India - Full Time
Skills Needed
Customer Oriented, Interpersonal Skills, Sales Mindset, Gold Loan Products, Branch Operations
Specialization
The ideal candidate should possess strong interpersonal skills and a sales mindset. A good understanding of gold loan products and branch operations is also required.
Territory Relationship Manager-811 Digital Sales|Digital Banking Kotak 811| at Kotak Mahindra Bank
, maharashtra, India - Full Time
Skills Needed
Sales Strategies, Digital Banking, Customer Acquisition, Relationship Building, Communication, Interpersonal Skills, Crm Systems, Sales Analytics Tools, Problem Solving, Self Motivated, Results Driven, Travel
Specialization
Candidates must possess a Bachelor's degree, preferably in Business or Marketing, along with a minimum of three years of sales experience, ideally within the banking or financial services sector. Strong proficiency in digital banking products, CRM systems, and excellent relationship-building skills are essential.
Experience Required
Minimum 2 year(s)
Next Gen-Premier Acquisition Manager-Sales-Sales at Kotak Mahindra Bank
Kolkata, west bengal, India - Full Time
Skills Needed
Leadership, Management, Sales Strategy, Client Relationship Building, Market Trend Analysis, Performance Review, Regulatory Compliance, Sales Campaign Collaboration, Lead Generation, Sales Reporting, Crm Systems, Sales Analytics Tools, Customer Acquisition, High Net Worth Individuals, Coaching, Mentorship
Specialization
Candidates must possess a Bachelor's degree in Business, Finance, or a related field, along with a minimum of 5 years of successful sales experience, preferably in a similar leadership role. Essential qualifications include excellent leadership, strong communication skills, proficiency with CRM and sales analytics tools, and the ability to maintain strong client relationships.
Experience Required
Minimum 5 year(s)
Acquisition Manager-RL SALES-Sales at Kotak Mahindra Bank
, gujarat, India - Full Time
Skills Needed
Sales, Retail Banking, Customer Acquisition, Relationship Management, Channel Partner Management, Compliance, Documentation, Home Loans, Loan Against Property, Personal Loans
Specialization
The role requires a Bachelor's degree and the ability to meet sales targets for various retail loan products. Candidates should be skilled in identifying potential customers and managing the end-to-end sales process.
Experience Required
Minimum 2 year(s)
Relationship Manager - Affluent-AFFLUENT-Relationship Manager at Kotak Mahindra Bank
Delhi, , India - Full Time
Skills Needed
Relationship Management, Client Acquisition, High Net Worth Individual (Hni) Management, Financial Acumen, Banking Solutions, Liability Management, Asset Management, Investment Products, Revenue Growth, Portfolio Management, Cross Selling, Client Engagement, Compliance, Advisory Capabilities, Sales
Specialization
This role requires a deep understanding of client needs and strong financial acumen to provide advisory capabilities combining sales and relationship management. Candidates must be capable of conducting portfolio reviews, identifying cross-sell opportunities, and organizing client initiatives.
Experience Required
Minimum 5 year(s)