Kotak Mahindra Bank—Portfolio Relationship Manager - SBE-Small Business Enterprise-Sales

Job description

Description: - Manage and service existing portfolio of SBE clients (upto Rs.100 lacs) including renewal and enhancement of limits - Build strong and effective relationship with Promoters and build client trust and confidence - Understand business models, target segments, cash flows, structure working capital and business loan solutions to best suit customer needs. - Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. - Ensure timely renewal of limits - Ensure timely closure of all pending PDD’s. - Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. - Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. - Maintain optimum portfolio hygiene by ensuring client’s entire churn is routed through KMBL along with closure of other CA’s. - Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. - Ensure minimum delinquency and work towards exit of clients identified in EWS. - Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. - Liaison with internal departments – credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. - Drive cross sell products and book penetration in allocated set of clients. - Generate leads from existing customers and on-board new customer’s basis existing relationship management. - Maintain CASA book and generate float income by opening all group accounts. - Tracking of trade and forex transaction done by customer and generating income opportunities from this. Job Requirement - Preferably MBA/ CA - Experience: 2-3 years experience in the local market preferably some background in Credit & Sales 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, BL etc. - Excellent written and oral communication skills