Portfolio Relationship Manager - WC-SALARIED PL AND WORKING CAPITAL-Sales

• To understand clients business & provide appropriate working capital solutions across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc.
• To managed the mapped portfolio through regular meetings with the clients, to serve them, and to enhance the wallet share
• Build a sustainable direct sourcing channel by working closely with DSAs, CAs, associations etc. for new customer acquisition. 
• 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
• To ensure correct sourcing of clients is done and maintain high standard of hygiene parameters including managing risk/delinquency etc. 

Job Requirement

• Excellent written and oral communication skills 
• Experience: 2-3 years’ experience in the local market preferably some background in Sales & Credit 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, LC, Imp/Exp limits etc.