Business Relationship Manager - Working Capital

Role Overview and Responsibilities

The primary task involves gaining an in-depth understanding of clients' business models to offer tailored working capital solutions, including both Fund and non-Fund based products such as Cash Credit, Demand Loan, Buyers Credit, Letters of Credit, and Bank Guarantees. Collaborating closely with Branch Banking teams, the focus also lies in acquiring new customers and expanding the portfolio.

Engage clients and their associated group companies by promoting various financial products like Current Accounts, Term Deposits, Transaction Banking, and Trade Finance. Building and nurturing strong relationships with key stakeholders such as CFOs and promoters in target sectors is essential to foster trust and confidence.

The role demands continuous efforts to grow the portfolio's size and profitability by analyzing client business models, trade activities, and cash flows to identify new opportunities. Vigilance regarding competitors in the market must be maintained to enhance the Kotak Mahindra Bank brand presence and penetration.

Ensuring exceptional client service standards, streamlining operational efficiency through process improvements, and collaborating with other internal units to create customized financial solutions are integral to the position.

Qualifications and Experience

Applicants preferably should hold an MBA or CA qualification. Candidates need between 2 to 3 years of experience in the local market, especially with a background in credit and sales. The ability to persuade customers to accept loan terms including amount, interest rate, and fees is key.

Strong communication skills, both oral and written, are necessary. Relationship management expertise with excellent influencing ability is required. The job requires sound knowledge to manage sales for a wide range of credit products like Bill Loans, Overdraft, and Cash Credit.