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Kotak Mahindra Bank

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Credit Manager-Loan Against Property (LAP)-CreditAs the Credit Manager, you will be responsible for overseeing the entire credit process for LAP loans, ensuring efficient and effective operations. Your role will involve strategic planning, team management, and maintaining strong relationships with clients and partners. You will play a crucial role in driving the company's credit strategy and contributing to its overall success.<ul><li>Lead and manage the LAP Credit department, providing strategic direction and oversight.</li><li>Develop and implement credit policies and procedures to ensure compliance and minimize risk.</li><li>Review and approve LAP loan applications, conducting thorough credit assessments.</li><li>Monitor and analyze credit performance, identifying trends and areas for improvement.</li><li>Build and maintain strong relationships with clients, understanding their financial needs and offering tailored solutions.</li><li>Collaborate with other departments to ensure seamless loan processing and customer satisfaction.</li><li>Train and mentor the credit team, fostering a culture of continuous learning and development.</li><li>Stay updated on industry trends and best practices in credit management.</li><li>Prepare and present periodic reports to senior management, providing insights and recommendations.</li><li>Ensure compliance with regulatory requirements and maintain high ethical standards.</li></ul><ul><li>Bachelor's degree in Finance, Business, or a related field, with a preference for a Master's degree.</li><li>Minimum 8 years of experience in credit management, with a strong background in LAP loans.</li><li>Proven track record of successful credit management and business growth.</li><li>Excellent knowledge of credit risk assessment and mitigation strategies.</li><li>Strong leadership and management skills, with the ability to motivate and mentor a team.</li><li>Analytical mindset with proficiency in data analysis and interpretation.</li><li>Excellent communication and interpersonal skills, with the ability to build relationships.</li><li>Proficiency in using credit analysis tools and software.</li><li>Ability to work independently and make sound decisions under pressure.</li><li>Strong ethical standards and a commitment to maintaining confidentiality.</li></ul><h4>Experience Level</h4>Senior Level

Credit Manager

Elite Relationship Manager-Household-BRANCH BANKING-Relationship ManagementWe are seeking a high-performing and customer-focused Elite Relationship Manager to manage and grow relationships with High Net Worth (HNW) clients. This role involves acquiring new clients, deepening existing relationships, and offering tailored banking solutions across liabilities, commercial assets, and investment products. The ideal candidate will have strong financial acumen, excellent interpersonal skills, and a passion for delivering exceptional customer service.
Develop and expand relationships with High Net Worth customers for liabilities and commercial assets
Ensure high levels of customer service and adherence to bank policies
Cross-sell a wide range of banking products to deepen client engagement
Educate clients about new products and enhancements to strengthen relationships
Plan and execute targeted sales initiatives and client engagement events
Collaborate with group companies to offer integrated financial solutions
Maintain detailed records of client interactions and relationship history
Monitor and resolve customer complaints and queries within defined turnaround times (TAT)<h4>Experience Level</h4>Mid Level

Assistant Relationship Manager

Branch Operations Manager-BRANCH BANKING-ServiceWe are looking for a proactive and detail-oriented Branch Operations Manager to oversee the daily operations of our branch. This role involves ensuring compliance with regulatory and audit requirements, managing customer service processes, and maintaining operational efficiency. The ideal candidate will have strong leadership skills, a thorough understanding of banking operations, and a commitment to delivering exceptional customer experiencesAcquire 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

Branch Operations Manager

Relationship Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Marketing Branches OperationsWe are seeking a high-energy, self-motivated Relationship Manager – TFE to drive quality business in the MSME segment, specifically targeting Agri-related industries, food processing units, and manufacturing sectors. The ideal candidate will be a strong team player with excellent communication skills in English, Hindi, and the local language, and possess a deep understanding of working capital finance, balance sheet analysis, and property/legal aspects of mortgage lending. This role is field-intensive (80% field, 20% office) and demands strong networking, negotiation, and follow-up skills to ensure consistent business sourcing and customer satisfaction.
Source working capital loan facilities for Agri-related and MSME industries
Ensure quality and size of business through effective lead generation and conversion
Maintain a monthly disbursement pipeline 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
Ensure timely resolution of customer requirements and complaints
Maintain strong follow-up and documentation standards
Adhere to the mantra of “Speed, Scale, and Skill” in all business activities<h4>Experience Level</h4>Mid Level

Relationship Manager

HO Product Manager - HouseholdJob Description: Senior Manager / AVP – Channel Engagement (Liability Business) Role Objective:Drive liability business growth by strengthening channel engagement, improving productivity, and enhancing participation across partner teams. Key Responsibilities•Channel Engagement &amp; Enablement•Build strong relationships with internal and external channel partners to drive CASA and liability product penetration.•Provide necessary enablers, collaterals, and regular product/process updates to stakeholders to ensure seamless on-ground execution.•Conduct training sessions, workshops, and capability-building initiatives to enhance channel effectiveness.•Drive productivity metrics across channels through structured reviews, performance insights, and targeted interventions.•Monitor daily/weekly/monthly business performance and support channels with actionable strategies.•Improve participation and conversion rates through continuous engagement and differentiated support models.•Partner with sales leadership, product teams, and operations to resolve bottlenecks and ensure alignment with business goals.•Facilitate timely communication on new initiatives, campaigns, and policy changes.•Drive deeper penetration of liability products within assigned channels through analytics, segmentation, and focused activation plans.•Identify opportunities to scale liability acquisitions and implement strategies to enhance channel contribution. Required Skills &amp; Qualifications•5–10 years of experience in banking, preferably in liabilities, channel management, or sales enablement.•Strong communication, stakeholder management, and cross-functional coordination skills.•Ability to analyze business performance and drive targeted actions.•Proactive, structured thinker with a track record of driving channel productivity.•Channel Engagement &amp; Enablement•Build strong relationships with internal and external channel partners to drive CASA and liability product penetration.•Provide necessary enablers, collaterals, and regular product/process updates to stakeholders to ensure seamless on-ground execution.•Conduct training sessions, workshops, and capability-building initiatives to enhance channel effectiveness.•Drive productivity metrics across channels through structured reviews, performance insights, and targeted interventions.•Monitor daily/weekly/monthly business performance and support channels with actionable strategies.•Improve participation and conversion rates through continuous engagement and differentiated support models.•Partner with sales leadership, product teams, and operations to resolve bottlenecks and ensure alignment with business goals.•Facilitate timely communication on new initiatives, campaigns, and policy changes.•Drive deeper penetration of liability products within assigned channels through analytics, segmentation, and focused activation plans.•Identify opportunities to scale liability acquisitions and implement strategies to enhance channel contribution.•5–10 years of experience in banking, preferably in liabilities, channel management, or sales enablement.•Strong communication, stakeholder management, and cross-functional coordination skills.•Ability to analyze business performance and drive targeted actions.•Proactive, structured thinker with a track record of driving channel productivity<h4>Experience Level</h4>Senior Level

Channel Development Manager

Senior Relationship Manager-Mid Market-SalesStrong leadership and interpersonal skills along with demonstrated ability to lead and motivate team members. Staying abreast of key market trends and leveraging that knowledge when engaging with customers and closing deals brought by RMsMust have knowledge of various corporate banking products like DCM, Forex, Trade, CMSAbility to Influence/relationship Management SkillsStrong communication(Written and Oral), Eye For detailFranchise building through active client coverage and participating in various Industry events to enhance KMBL’s presence and brand positioning. <ul><li>Manage a team of RMs to deliver on business targets. </li><li>Acquisition of NTB clients by closing deals sourced by RMs </li><li>Manage promoter relationships to ensure higher share of business in existing portfolio and keeping the team highly motivated to deliver superior results</li><li>Revenue delivery for the team, across products &amp; ensuring compliance to bank’s audits, statutory and regulatory requirements, </li><li>Develop Relationships and liaise with product and operations teams to provide customers experience of high standards.</li><li>To drive key bank initiatives collectively with peers and product teams.</li></ul><ul><li>CA/ MBA in finance/Marketing </li></ul>Minimum 10-12 Years of relevant banking experience<h4>Experience Level</h4>Senior Level

Senior Relationship Manager

Legal Manager-DEALER FINANCE OPERATIONS-LegalLegal Manager- KMPL - Support Services-Legal<ul><li>Max Age: 35 years</li><li>Preferred Industry: Banks / Reputed NBFC / Financial Institutions.</li></ul> Job Description: · Conduct diligent research into legal issues and recommend revisions as needed across a range of legal documents and agreements;· Ensure the reliable and timely execution of the company’s day-to-day legal activities;· Anticipate and plan for all legal risks, and develop strategies to mitigate those risks;· Advise the leadership team on legal matters critical to the growth of the business;· Experience managing attorneys and legal professionals, Broad litigation subject matter experience including for example, commercial class actions, regulatory investigations/enforcement· Ability to evaluate risk and exposure, calibrate it to company needs, and communicate to peers and executives alike· Rich experience in managing &amp; defending bulk litigations before various courts &amp;  forums including Supreme Court, High Courts, Sessions Courts, Metropolitan  Courts, Civil Courts, Consumer Forums, and Lok Adalat· extensive exposure in  managing Recovery Litigation – Secured &amp; Unsecured, Arbitration Cases, MVCT Matters, General Litigation.· Experience  in drafting &amp; vetting of various legal &amp; commercial  documents such as Writs, Agreements, Memorandum of Appeals, Complaints,  Notices, Affidavits, Deeds, Written Statements, General Pleadings, Legal  Communications &amp; Contracts. · Experience in coordinating with Advocates, Law Officers, Court Staff, Police &amp; Law  Enforcement Agencies.<ul><li>Team Handling experience and exposure of team appraisal procedures</li><li>Willing to travel across branches</li><li>Excellent Communication Skills</li></ul> <h4>Experience Level</h4>Mid Level

Legal Manager

Propositions lead-Self Employed & Business Banking Propositions-HO & Support-Branch Programme TeamPosition : Self Employed Proposition Manager (M4 / M5)Job Descript: The core philosophy of the "Proposition" model is Customer-in vs Product-out. As the bank scales in multiple areas, a key component of the growth path is to gain disproportionate share of mind and wallet of the business banking segments though the right segmental propositions. For this we are looking for a “growth hacker, Manager – Proposition to manage the next stage of growth of this segment. The key deliverables: ·        Develop and implement proposition business strategies and policies to contribute to the customer segments growth and profitability for Business Banking segment of the bank. Developing client segment-based proposition that encompasses complete ecosystem including employees, promoters, family, Individual/Proprietary Firm, Private/Public Limited Co, Supply Chain, business firms and other shareholders of the company·        Manage and lead all aspects of proposition programs, implementation and delivery processes, customer journey and modifications. Understanding customer life cycle and commercialize the right proposition to the client for deeper wallet and cross sell. ·        deep insights of customer’s stated / unstated needs and creating evergreen propositions to support the cycle of existing portfolio. Building new segments , strategies for penetrating the Business Banking / SE segment penetration for both Asset , Liability, Investment Products. ·        Marketing &amp; communication strategy to promote bank’s offerings with well-defined execution plan. Events planning and Brand building with respect to the positioning of business banking in Kotak·        Relationship Building , Internal and External stakeholder management for strategic alliances. Work closely with various distribution channels and various customer interfacing journeys including Physical / Video / Voice / Digital etc. MIS for Product Penetration and corrective actions.Preferred Candidate Profile ·        A seasoned professional from Internal Kotak / foreign banks /  fintech / top Indian banks 5 – 8 Years experience·        Must have a deep domain expertise in product portfolio of Assets &amp; Liabilities·        Candidate should have a pedigree from premier institute Master’s degree from Premier Institute<ul><li>experience in product management, preferably in formulating proposition strategies and/or managing value proposition portfolios</li><li>Outstanding analytical and quantitative capabilities</li><li>Critical thinking; thinks outside the box and above and beyond conventional wisdom</li><li>Collaborative work style; effectively interacts with partners across organizational boundaries/hierarchies</li><li>Multi-tasks productively and reliably, while managing conflicting priorities\</li></ul><h4>Experience Level</h4>Senior Level

Branch Sales Manager (B2B)

Relationship Manager - HF-HOUSING FINANCE-SalesJob role:<ul><li>Manage sales and distribution through the cross channel and open market channels</li><li>Ensure unilateral growth by adding new DSAs / Branches</li><li>Manage and grow the Direct Sales team and focus on increased Productivity</li><li>Marketing and encashing catchment areas</li><li>Meeting HNI clients and explaining various products related to Loan against property/HF</li><li>Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets</li><li>Responsible for Project approvals of Builders</li><li>Ensure additional revenue generation through cross – sell &amp; Multi selling of Insurance, CASA , Credit Cards etc.</li><li>Training &amp; Development of the DST Team and DSAs</li><li>Liasoning with Internal teams for business like Credit, Legal, Technical, RCU &amp; Operations</li><li>Responsible for end to end processing of the case and updating the status of the same to the customers.</li><li>Ensuring Top Class service for Customers for better NPS Scores</li></ul>Job Requirements:<ul><li>Relevant HL/Mortgage experience atleast 2 to 7 years </li><li>Age between 25 to 35 years</li><li>Graduate / Post Graduate </li></ul><h4>Experience Level</h4>Mid Level

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

Program Lead-Affluent-AFFLUENT-Program & MIS<ol><li>Responsibilities: Program Lead-Affluent</li></ol>Grade: M7<ul><li>Develop, plan, and execute go to market campaigns tailored for HNI clients, focusing on their unique financial and lifestyle needs.</li><li>Coordinate with internal teams (e.g., product, data analytics, and digital marketing) to identify customer insights and design targeted campaigns.</li><li>Monitor campaign performance, track ROI, and optimize campaigns based on data-driven insights.</li><li>Manage the budget allocated for campaigns, ensuring cost efficiency and maximum impact.</li><li>Closely work with product and proposition teams to Identify, negotiate, and establish strategic alliances with service providers  (e.g., luxury travel, lifestyle, wellness, and investment firms) to enhance HNI offerings.</li><li>Manage ongoing partner relationships to ensure seamless service delivery and mutual business growth.</li><li>Plan and execute exclusive events and experiences tailored to the preferences of HNI clients.</li><li>Work with Relationship Managers to promote campaigns and partnerships effectively, ensuring client satisfaction.</li><li>Analyze client feedback to refine offerings and maintain the highest levels of service excellence.</li><li>Collaborate with the data analytics team to track customer behavior, campaign impact, and alliance performance.</li><li>Provide regular reports on campaign outcomes, client engagement metrics, and partnership success.</li><li>Use insights to recommend strategies for future campaigns and collaborations.</li></ul>  <h4>Experience Level</h4>Senior Level

Program Lead

Relationship Manager-Loan Against Property (LAP)-SalesJob Description Job Title: Relationship Manager – LAPDesignation: ManagerDepartment: Sales – Loan Against PropertyReporting to: Area Sales ManagerLocation: [Specify Location]About Kotak Mahindra Prime Ltd.Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of India’s leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions.Role ObjectiveTo drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships.Key ResponsibilitiesBusiness Sourcing: - Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines. - Identify and onboard high-potential DSAs and maintain strong working relationships.Sales &amp; Target Achievement: - Meet or exceed assigned monthly and quarterly disbursement and fee income targets. - Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline.Credit &amp; Risk Coordination: - Liaise with credit and operations teams to ensure smooth file processing and disbursal. - Perform initial screening of customer financials and property documents before file submission.Market Intelligence &amp; Relationship Management: - Track competitor offerings, pricing, and market dynamics. - Maintain strong relationships with DSAs, customers, and internal stakeholders.Compliance &amp; Documentation: - Ensure thorough KYC, property valuation, and legal documentation as per company standards. - Adhere to audit requirements, regulatory norms, and internal processes.  Candidate ProfileEducation: Graduate (minimum qualification)Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee.Skills: - Strong relationship management and interpersonal skills - Understanding of secured lending and property-related documentation - High level of self-motivation with a go-getter attitude - Comfortable working in a high-performance, target-driven environmentWhat We Look For• A professional who is passionate about sales and willing to go above and beyond. • Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.<h4>Experience Level</h4>Mid Level

Relationship Manager-CONSTRUCTION EQUIPMENT (CE)-Marketing Branches OperationsWe are looking for a results-driven and experienced Relationship Manager to lead business development and customer engagement in the Construction Equipment (CE) segment. The role involves enhancing the deposit base, cross-selling financial products, ensuring regulatory compliance, and driving branch profitability. The ideal candidate should have a strong background in retail liabilities, sales, and team leadership.
Source New-to-Bank (NTB) clients to expand the customer base.
Manage relationships with mid and large corporates, including infrastructure companies.
Handle clients with annual turnover exceeding ₹25 crore and an average lending ticket size of over ₹10 crore.
Manage and structure various banking products, including:
Cash Credit / Overdraft Limits
Project Funding for EPC (Engineering, Procurement, and Construction) projects
Term Loans / Foreign Currency Term Loans for working capital and equipment or plant &amp; machinery purchases
Bank Guarantee Limits
Trade Products such as LC (Letter of Credit) limits for both import and domestic purchases
Bill Discounting Limits, including LC-backed and BOE-backed
Buyers Credit Limits<h4>Experience Level</h4>Mid Level

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Kotak Mahindra Bank Jobs - 2284 Verified Vacancies

Credit Manager

Assistant Relationship Manager

Branch Operations Manager

Relationship Manager

Channel Development Manager

Senior Relationship Manager

Legal Manager

Branch Sales Manager (B2B)

Relationship Manager

Assistant Relationship Manager

Deputy Manager Finance

Program Lead

Relationship Manager

Relationship Manager