Portfolio Relationship Manager - Working Capital Sales
Kotak Mahindra Bank Limited
Work from Office
Full Time
Min. 2 yearsJob Description
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.
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