Kotak Mahindra Bank
Business Relationship Manager - SBE-Small Business Enterprise-Sales
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Manage relationships with small-business clients by understanding their businesses and providing working capital, trade finance, transaction banking, deposit, and credit solutions. Acquire new customers with branch teams, cross-sell banking products, grow portfolio profitability, engage CFOs and promoters, monitor competitors, deliver quality service, resolve queries, and coordinate process improvements with operating units.
• 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. • Work closely with Branch Banking teams for new customer addition. • 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 to continually increase the Book size and profitability of the assigned portfolio. To understand client business models, 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 constantly have a rapport with the operating units to customize and develop solutions
ResponsibilitiesUnderstand client businesses and provide appropriate working capital solutions across fund/non-fund based products.
Collaborate with branch banking teams for new customer acquisition.
Cross-sell products such as Current Accounts, Term Deposits, Transaction Banking, and Trade Finance to primary and group companies.
Build and maintain relationships with key client stakeholders (CFOs, promoters).
Increase book size and profitability of the assigned portfolio.
Analyze client business models, trade activities, and cash flows to identify growth opportunities.
Monitor competitive landscape and enhance Kotak’s brand presence in target segments.
Ensure high-quality client service and timely resolution of queries.
Drive process improvements and coordinate with operating units to develop customized solutions.
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Manages small-business client relationships by assessing business needs and providing working-capital, trade-finance, and transaction-banking solutions. Acquires new customers with branch teams, cross-sells banking products, develops relationships with CFOs and promoters, and grows portfolio profitability. Monitors client cash flows, trade activity, competition, and service quality while coordinating with internal operating units to customize solutions and improve processes.
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Manages small-business banking relationships by assessing client needs and providing working-capital, trade-finance, deposit, and transaction-banking solutions. Acquires customers with branch teams, cross-sells products, develops relationships with CFOs and business promoters, grows portfolio profitability, monitors competitive activity, ensures quality service, and coordinates process improvements and customized solutions with internal operating units.
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Manage relationships with small-business clients by providing working-capital and trade-finance solutions. Acquire customers through branch-banking partnerships, cross-sell banking products, build relationships with CFOs and promoters, grow portfolio profitability, analyze client cash flows and business models, monitor competitors, and ensure high-quality service. Coordinate with operating units to improve processes and develop customized solutions.
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