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Kotak Mahindra Bank

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Relationship Manager-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Marketing Branches OperationsWe are seeking a high-energy and self-motivated Relationship Manager – Agri-Finance to drive business in the Tractor Loans and Retail segment. The role involves sourcing working capital loans for Agri-related industries, food processing units, and MSMEs, while ensuring quality portfolio growth and customer satisfaction. The ideal candidate should possess strong interpersonal skills, financial acumen, and a deep understanding of local markets and customer needs. This is a field-intensive role (80% field, 20% office) requiring strong networking, negotiation, and follow-up capabilities. Candidates must be tech-savvy and committed to delivering results with speed, scale, and skill.
Source working capital loans for Agri-related, food processing, and MSME industries Ensure monthly disbursements with ticket sizes ranging from ₹2 crore to ₹25 crore Achieve a minimum of 3 new cases per month and meet at least 2 new leads daily Build and manage relationships with CAs, financial consultants, DMAs, and Kotak Bank branches Collaborate with internal teams (credit, trade finance, CMS, treasury, legal, operations) for seamless service delivery Maintain strong follow-up and ensure timely resolution of customer requirements and complaints Understand and evaluate financial documents including balance sheets and P&amp;L statements Leverage knowledge of property/legal aspects for mortgage-based lending Maintain accurate documentation and reporting of business activities Operate with the mantra of “Speed, Scale, and Skill” in all business efforts<h4>Experience Level</h4>Mid Level

Deputy Manager Finance

Relationship Manager - Commercial Vehicles-SCV - Small Commercial Vehicle-Retail SalesWe are seeking a motivated and experienced Relationship Manager to lead sales and customer engagement in the Small Commercial Vehicle (SCV) segment. The role focuses on deposit mobilization, cross-selling financial products, and ensuring operational excellence at the branch level. The ideal candidate will bring strong sales expertise, leadership qualities, and a customer-centric approach to drive business growth.
Portfolio Management:
Manage and maintain the existing portfolio of Small Commercial Vehicle (SCV) customers, ensuring consistent engagement and service delivery.

Loan Handling:
Oversee the end-to-end process of Commercial Vehicle loans (both new and used), from customer onboarding to loan disbursement.

Loan Processing:
Facilitate the complete loan process for vehicle financing, ensuring smooth documentation, verification, and timely approvals.

Collections Follow-Up:
Regularly follow up with customers for EMI payments and address arrears to ensure timely collections and minimize delinquencies.

Market Development:
Explore and develop new market areas, gathering relevant market intelligence to support business growth and strategy.

Sales Generation:
Proactively identify and create new market opportunities to drive sales and expand the customer base.

Relationship Building:
Establish and maintain strong relationships with vehicle dealers and existing clients to foster trust and long-term engagement.<h4>Experience Level</h4>Mid Level

Relationship Manager

Acquisition Manager-Business Banking-Sales-SalesThe Acquisition Manager – Business Banking is responsible for driving the growth of the deposit base and cross-selling financial products to business banking customers. This role involves managing branch operations, ensuring regulatory compliance, and achieving profitability targets. The ideal candidate will have strong sales experience in retail liabilities, leadership capabilities, and a deep understanding of financial markets and instruments.
Enhance the deposit pool by acquiring and managing business banking customers. Drive cross-selling of non-deposit products including mutual funds, insurance, and other third-party offerings. Generate fee income through effective product penetration and customer engagement. Promote and sell business banking solutions such as CMS, POS, and other transaction services. Ensure high standards of customer service and operational delivery at the branch. Oversee branch administration and ensure adherence to regulatory and compliance norms. Manage productivity and morale of branch team members to achieve business objectives. Take ownership of branch profitability, break-even, and P&amp;L performance. Liaise with product, marketing, and support teams for service enhancements and new product initiatives.<h4>Experience Level</h4>Mid Level

Acquisition Manager

Service Excellence Specialist-WBG HO / IPO / CIP-Wholesale Integrated Service Excellence (WISE)The Service Excellence Specialist (SES) plays a critical role in driving operational excellence and enhancing customer experience across wholesale banking services. This role involves close collaboration with internal stakeholders to identify service gaps, streamline processes, and implement best practices that align with the bank’s commitment to delivering superior service quality.
1. Service Delivery &amp; Client Experience Monitor and enhance service delivery standards across wholesale banking operations. Ensure timely resolution of client issues and service requests with a focus on quality and responsiveness. Act as a liaison between internal teams and clients to ensure seamless service execution. 2. Process Improvement &amp; Operational Monitor and evaluate service delivery standards across wholesale banking operations to ensure consistent customer experience. Identify process improvement opportunities and work with cross-functional teams to implement service enhancements. Act as a liaison between business units and service teams to resolve escalations and ensure timely issue resolution. Analyze customer feedback and service metrics to generate actionable insights and drive continuous improvement. Support the implementation of service excellence frameworks and tools across CIIB functions. Conduct training and awareness sessions to promote a culture of service excellence within the organization. Collaborate with technology and operations teams to automate and digitize service processes for improved efficiency. Ensure compliance with internal policies, regulatory guidelines, and service quality standards.<h4>Experience Level</h4>Mid Level

Service Support Specialist

Credit Manager-Loan Against Property-CreditWe are looking for a qualified and experienced Credit Underwriter to manage credit evaluation for Self-Employed Non-Professional (SENP) and Self-Employed Professional (SEP) mortgage cases. The role involves in-depth financial analysis, customer visits, and credit decision-making to ensure high-quality underwriting and minimal delinquency. The ideal candidate will have a strong understanding of mortgage lending, economic indicators, and regulatory norms. The role also includes mentoring Credit Processing Associates (CPAs), monitoring their productivity, and ensuring adherence to internal policies and audit standards.
Conduct credit underwriting for SENP/SEP mortgage cases with in-depth financial and business analysis.
Visit customers to understand business background and validate financials.
Monitor delinquency of underwritten cases during the initial stages to maintain near-zero default levels.
Maintain credit quality and stay updated on economic indicators and mortgage industry trends.
Ensure consistent productivity in processing and decision-making.
Support implementation of head office and local credit policies at the ground level.
Mentor and monitor CPAs to ensure quality output and productivity.
Handle audit and compliance requirements related to underwriting.<h4>Experience Level</h4>Mid Level

Credit Manager

CX Team Member - Liability Products and Payments-ProductKey Responsibilities:<ul><li>Drive customer journey, identifying friction points and opportunities for improvement.</li><li>Analyze customer feedback (NPS, CSAT, Complaint, Surveys, support tickets) and generate actionable insights.</li><li>Work cross-functionally with product, process, marketing, sales, and support teams to deliver a cohesive experience.</li><li>Design and implement customer experience initiatives, programs, and communication strategies.</li><li>Monitor key CX metrics and report on performance regularly.</li><li>Champion a customer-first mind set across the organization.</li><li>Stay updated with CX trends, tools, and technologies.</li></ul>Requirements:<ul><li>Bachelor’s degree in Business, Marketing, Communication, or related field.</li><li>4 – 5 years of experience in a CX, customer service, or user experience role.</li><li>Strong communication and interpersonal skills.</li><li>Experience with CX tools (e.g., Salesforce, Qualtrics, etc) is a plus.</li><li>Analytical mind set with experience in customer journey mapping and data interpretation.</li><li>Empathy, problem-solving ability, and a drive for continuous improvement.</li></ul> <h4>Experience Level</h4>Mid Level

Customer Relations Specialist

Associate Relationship Manager - Affluent-AFFLUENT-Service - Non Branch BankingAs an Associate Relationship Manager, you will be responsible for managing and growing a portfolio of affluent customers, offering them a personalized banking experience. You will be the primary point of contact for your clients, providing expert advice and guidance on a range of financial products and services. Your role will involve understanding your clients' unique needs and goals, and tailoring our bank's offerings to meet those requirements.
<ul><li> Build and maintain strong relationships with affluent customers to understand their financial needs and goals.</li><li> Offer personalized financial solutions and advice to clients, ensuring their satisfaction and loyalty.</li><li> Proactively identify and address client needs, providing timely and accurate information on products and services.</li><li> Collaborate with other teams and departments to deliver a seamless and integrated banking experience.</li><li> Stay updated on market trends, industry developments, and competitor activities to provide valuable insights to clients.</li><li> Conduct regular reviews and assessments of client portfolios, offering strategic recommendations for wealth management.</li><li> Ensure compliance with all regulatory and internal policies, maintaining the highest ethical standards.</li><li> Participate in sales and marketing initiatives to promote the bank's products and services to affluent customers.</li><li> Provide excellent customer service, responding promptly to client inquiries and resolving any issues or concerns.</li></ul><ul><li> A bachelor's degree in finance, business administration, or a related field is preferred.</li><li> Minimum 2-3 years of experience in relationship management or a similar role, preferably in the banking industry.</li><li> Strong knowledge of financial products and services, including investments, insurance, and banking solutions.</li><li> Excellent communication and interpersonal skills, with the ability to build rapport and trust with clients.</li><li> Proven track record of successful relationship management and client retention.</li><li> Ability to work independently and manage a diverse portfolio of clients.</li><li> Proficiency in using CRM systems and other relevant banking software.</li><li> Analytical skills to interpret financial data and provide insightful recommendations.</li><li> Strong organizational skills and attention to detail.</li><li> A self-motivated and proactive approach to work, with a commitment to delivering exceptional customer service.</li></ul><h4>Experience Level</h4>Mid Level

Area Sales Manager-OLD CAR FINANCE-SalesArea Sales Manager - Old Car Finance-Sales Job Responsibilities: Responsible for used car/alternate channel business for the region Plan, organize and achieve overall budgeted targets Plan and coordinate activities through sales team Liasion with cross functional teams to recruit and onboard personnel for all product lines for the region Train and motivate the team members Supervise and guide the teams performance Oversee cross-selling of all products for the region Monitor budget achievements and prepare forecasts Job Requirements: Working knowledge of the various product lines viz used car/new car/alternate channels of loan Working knowledge of any secured lending financial products viz home loan/personal loan Good interpersonal and communication skills Demonstrable team handling ability Ability to garner market intelligence for the specified region Exposure in similar industry would be preferable Exposure to secured lending asset products viz. Home Finance/Personal Loan/Educational Loan etc shall be considered Team handling experience of 4 years and above Educational Qualifications: Should be graduate and above Work Experience: Minimum work experience of 10 years<h4>Experience Level</h4>Mid Level

Area Sales Manager (B2B)

Area Business Manager - WC-SALARIED PL AND WORKING CAPITAL-SalesJob Role <ul><li>To drive a team of Business and/or Portfolio RMs at Area level</li><li>To manage a team who can drive New Client Acquisition and/or manage, maintain and enhance assigned portfolio of existing customers</li><li>To understand client’s business &amp; provide appropriate working capital and business loan solutions across fund/ non-fund based products like Cash Credit, Demand Loan, BG etc. up to limit of Rs. 100 lacs</li><li>Drive team for new acquisition through Branch Banking and/or Customer referrals</li><li>To build relationships with key persons (CFOs/ promoters) in the target segments &amp; build client trust &amp; confidence.</li><li>Focus to continually increase the Book size, SOH and profitability of the Location</li><li>To inculcate in team members understanding of client business models, trade related activities, cash flows etc. and drive identification of opportunities and growing client relationships.</li><li>Grooming and mentoring team members so that they achieve their desired performance levels (RM productivity)</li><li>Resolving/Addressing location level concerns</li><li>Channel Management viz RL, Privy, Wealth etc</li><li>Drive adoption of various digital initiatives at location level</li><li>To ensure right sourcing is being done at the location</li><li>Deepen our market reach through trade meeting, industry associations, local forums etc.</li><li>Enhance X-sell opportunities such as KLI, KGI, CMS etc</li><li>Strengthen and build sustainable trade book with healthy mix of importers and exporters at location level </li><li>To be alert on competitive elements in the target segments (viz. other banks etc.) &amp; Augment the presence and penetration of the Kotak brand in the target market</li><li>Drive high caliber client service from the Team</li><li>Manage TAT for the location within specified levels for all aspects such as client onboarding, processing of customer requests, renewals etc</li><li>Improve efficiency by monitoring &amp; overseeing continuous improvement of processes.</li><li>Benchmark and adopt best practices used in the Industry to further build efficiency at the location</li><li>Constantly share rapport with the operating units to customize and develop solutions</li><li>Mitigate risks and manage them actively</li><li>Ensure hygiene parameters such delinquency, churn, utilization etc are met at location</li></ul> Job Requirement <ul><li>Preferably MBA/ CA</li><li>Experience: 7-8 years’ experience in the local market. Background in Credit &amp; Sales Knowledge is required. Prior experience of driving and managing Teams is required.</li><li>Good Leadership, Self-motivation and communication skills for driving Teams</li><li>Relationship Management Skill</li></ul> <h4>Experience Level</h4>Mid Level

Acquisition Manager-Sales-SalesThe Acquisition Manager – RL Sales is responsible for driving the acquisition of retail loan customers through direct and indirect channels. The role involves identifying potential customers, managing relationships with channel partners, ensuring compliance with documentation, and achieving sales targets for retail loan products such as home loans, LAP (Loan Against Property), and personal loans.
Acquire new customers for retail loan products through DSAs, connectors, and direct sourcing.
Generate leads through market activities, referrals, and cold calling.
Ensure proper documentation and adherence to KYC norms as per company guidelines.
Coordinate with internal teams including credit, operations, legal, and technical for smooth processing of loan applications.
Maintain strong relationships with channel partners and ensure consistent business flow.
Track and update the status of loan applications to customers and partners.
Achieve monthly and quarterly sales targets as assigned.
Provide excellent customer service and resolve queries promptly.<h4>Experience Level</h4>Mid Level

Relationship Manager-CORPORATE BANKING-SalesLarge Corporate business unit is part of Wholesale Banking Group. This group provide tailored financial solutions to large corporates. All groups with consolidated turnover of over 1500 Crs are covered by Large Corporate and the team covers them for all their banking needs. <ul><li>RM is responsible to structure and propose new products to existing clients and get new clients </li><li>Relationship &amp; Account management, origination &amp; execution for corporate banking related products – Assets, DCM, FX &amp; GTS etc. </li><li>Deeper penetration of groups across banking products including cross sell of Salary, Privy etc.</li><li>Develop deeper understanding of business, making detailed account plan, group presentations &amp; wallet etc. Target all group companies in the group across locations. Increase penetration &amp; wallet share </li><li>Able to network internally (Credit, Legal &amp; operations) &amp; also externally with customers &amp; structuring solutions</li><li>To develop relationships with Key persons in the groups, acquire new customers &amp; build client confidence</li><li>To be solution oriented, proactive in approach &amp; alert in spotting opportunities</li><li>Anticipating market trends pertinent to the target customer group allocated</li><li>Maintains a culture of integrity at the workplace by making decisions that abide by the highest moral ethics</li><li>Up to date with legal and banking regulations and policies to suggest corrective measures for self and team</li></ul><ul><li>Graduate/CA / MBA in finance/Marketing </li><li>4+ Years of relevant banking experience</li><li>Good understanding of financial products, Credit &amp; industries. Should have handled corporate clients for last few years. </li></ul><h4>Experience Level</h4>Mid Level

Branch Relationship Manager

Regional Manager-Customer 360-BRANCH BANKING-Customer 360JD – Regional Manager – Customer 360  DepartmentCustomer 360LocationRespective Regions Number of Positions1Reporting RelationshipsRBHPosition GradeDVP / AVP/VP     With Customer Centricity being the core focus of the Bank, comes the need of focusing on input parameters and the Relationship Managers to be able to drive a change. To help our frontline to cater to needs of customer as per their life cycle in a 360 manner and to enable the Bank to achieve a deeper customer engagement through stronger product and service holdings.  In today’s fast paced world we need smart managers who can help the frontline teams to better focus their output in order to achieve a higher throughput. This through sharing sharp insights and highlighting work-areas.   Engaging with our customers in a 360 way such that we are able to understand, engage on and capture every opportunity that the customer may present is a big change being driven across the firm. The captioned role will be an integral part of this new thrust and will help drive this change. With the above objectives in mind the Regional 360 Manager will have the following responsibilities: <ul><li>To work with RM, BM &amp; AM to identify for respectively mapped families the opportunity to enhance PH &amp; SH by catering to customer requirements across borrow, save, protect, pay and invest category(ies)</li><li>Ensuring Branch and RM activation in each product/category to ensure that each Branch / RM is working towards the propositions as a whole and not biased towards limited products/services</li><li>Help RMs in improving their customer coverage, in achieving their SOPs and in improving their earning by highlighting work-areas for each RM</li><li>Driving Health Score for both RM and Branch collectively so that RMs are improving on their productivity and also in-turn branches are also improving on profitability </li><li>Driving digital adoption of internal systems, platforms (eg CRM) that will enable tracking of lead quality, lead fulfilment and RM throughput </li><li>Driving campaigns to ensure top of the funnel drive for each product in relevant catchments and monitor for lead quality and lead conversions </li><li>Monitoring customer coverage regularly so that all customers are touch based in set periods</li><li>Liaise with relevant departments to ensure and fast-track cases wherever being stuck </li></ul>      <ol><li>A passion for solving Customer Problems and ensuring great user experience</li><li>Basic understanding of application flow in each Product</li><li>High degree understanding of CRM and other tech platforms</li><li>Ability to read and interpret data and dashboards and help strategically implement initiatives in his / her catchment </li><li>Experience in data driven decision making and analytical thinking </li><li>Ability to work effectively with cross functional teams and manage various stakeholders</li><li>High levels of empathy </li></ol>  <h4>Experience Level</h4>Mid Level

Regional Manager

Relationship Manager-Loan Against Property (LAP)-SalesAs a Relationship Manager, you will be the face of our company, representing Kotak Mahindra Prime Ltd to potential and existing clients. Your primary goal is to understand client needs, offer suitable loan products, and provide exceptional customer service throughout the loan journey. This role is crucial in driving business growth and maintaining our reputation as a trusted financial partner.<ul><li>Build and nurture long-term relationships with clients, understanding their financial goals and requirements.</li><li>Offer personalized loan solutions, including Loan Against Property (LAP) products, to meet client needs.</li><li>Guide clients through the loan application process, ensuring a smooth and efficient experience.</li><li>Stay updated on market trends, competitor offerings, and new loan products to provide the best advice to clients.</li><li>Collaborate with internal teams, such as underwriting and legal, to ensure a seamless loan approval process.</li><li>Maintain a high level of customer satisfaction by promptly addressing queries and concerns.</li><li>Achieve individual and team sales targets through effective relationship management and cross-selling opportunities.</li><li>Conduct regular client meetings and provide periodic updates on loan progress and market insights.</li><li>Identify and mitigate potential risks associated with loan applications, ensuring compliance with regulations.</li><li>Represent the company professionally at industry events and networking opportunities.</li></ul><ul><li>A bachelor's degree in finance, business administration, or a related field is preferred.</li><li>Minimum 2-3 years of experience in relationship management, preferably in the financial services industry.</li><li>Strong knowledge of Loan Against Property (LAP) products and the Indian mortgage market.</li><li>Excellent interpersonal and communication skills, with a client-centric approach.</li><li>Ability to build trust and rapport with clients, offering tailored financial solutions.</li><li>Proficiency in MS Office and familiarity with CRM systems for efficient relationship management.</li><li>Analytical skills to interpret financial data and offer suitable loan recommendations.</li><li>Self-motivated and results-driven, with a track record of achieving sales targets.</li><li>Strong work ethic, with the ability to work independently and as part of a team.</li><li>Willingness to stay updated on industry trends and regulatory changes.</li></ul><h4>Experience Level</h4>Mid Level

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Kotak Mahindra Bank Jobs - 2615 Verified Vacancies

Deputy Manager Finance

Relationship Manager

Acquisition Manager

Service Support Specialist

Credit Manager

Customer Relations Specialist

Relationship Manager

Area Sales Manager (B2B)

Area Sales Manager (B2B)

Acquisition Manager

Deputy Manager Finance

Branch Relationship Manager

Regional Manager

Relationship Manager