Manage and grow a portfolio of SME corporate banking clients, serving as the primary relationship contact. Responsibilities include credit renewals, limit enhancements, documentation, compliance, portfolio risk monitoring, client acquisition, onboarding, cross-selling trade finance, foreign exchange, and cash management services, and driving profitability. The role coordinates with product, risk, and leadership teams while maintaining client relationships, resolving service issues, and managing portfolio hygiene and delinquencies.
The Portfolio Relationship Manager (PRM) in the SME segment of Wholesale Banking is responsible for managing and growing a portfolio of corporate clients with turnover ranging from ₹50 to ₹500 crores. This role involves deep relationship management, credit handling, and cross-selling of banking solutions tailored to the unique needs of emerging corporates. The PRM acts as a single point of contact (SPOC) for all client requirements, ensuring high levels of service, profitability, and portfolio hygiene.
Responsibilities1. Portfolio Management
Manage and grow the existing client portfolio by maintaining strong relationships and understanding client needs.
Handle credit renewals, limit enhancements, and ensure timely documentation and compliance.
Monitor portfolio health and ensure adherence to internal risk and credit guidelines.
2. Client Acquisition & Relationship Ownership
Refer and onboard New-To-Bank (NTB) accounts by identifying potential clients and presenting Kotak’s value proposition.
Act as the SPOC for all client interactions, ensuring seamless coordination across products and services.
Build long-term relationships with clients to enhance engagement and retention.
3. Cross-Selling & Revenue Growth
Identify opportunities to cross-sell Trade Finance, Forex, and Cash Management Services (CMS) solutions.
Collaborate with internal product teams to deliver customized solutions that meet client requirements.
Drive revenue growth through increased product penetration and wallet share.
4. Portfolio Profitability & Hygiene
Ensure profitability of the managed portfolio by optimizing pricing, product mix, and service delivery.
Maintain portfolio hygiene by ensuring timely renewals, documentation, and compliance with credit norms.
Track and manage delinquencies, if any, and take proactive steps to mitigate risks.
5. Internal & External Stakeholder Management
Liaise with internal teams such as BIU, Product, Risk, and Leadership to ensure smooth service delivery.
Represent client interests internally and ensure timely resolution of service issues.
Maintain strong external relationships with clients, auditors, and other stakeholders.
Qualifications & Experience
Graduate (mandatory); MBA or Chartered Accountant (preferred).
Prior experience in SME banking, corporate relationship management, or credit appraisal is desirable.
Similar Jobs
Cloud • Information Technology • Internet of Things • Machine Learning • Software • Cybersecurity • Infrastructure as a Service (IaaS)
Integrate, migrate, upgrade, and expand enterprise systems, networks, and nodes. Prepare configurations and scripts, execute test cases, troubleshoot issues, manage integration strategies, coordinate scope and delivery plans, ensure software and hardware readiness, document handoffs, and improve integration processes. The role also supports presales activities, customer engagements, service quality, data security, privacy, and safety compliance.
Top Skills:
Artificial IntelligenceAutomationComputer NetworksData AnalyticsEnterprise SystemsHardwareOperating SystemsSoftware Configuration
Cloud • Information Technology • Security • Software • Cybersecurity
Leads cybersecurity data-source onboarding and integration for Zscaler’s security platform. Builds and automates Python/API-based data transformations, maps and normalizes security data, manages pipeline lifecycle activities, troubleshoots data quality, and identifies security gaps. Partners with cybersecurity SMEs and cross-functional teams to create implementation plans, communicate technical findings, and provide product improvement feedback. The role requires expertise in security platforms, diverse security-tool integrations, data modeling, SQL, and Python.
Top Skills:
Ai/MlAPIsCloud LogsCmdbCnappCspmEdrPythonSIEMSQLUnified Vulnerability Management
Fintech • Legal Tech • Software • Financial Services • Cybersecurity • Data Privacy
Maintain books of accounts, close monthly financial records, prepare reports, process invoices, vendor payments, reconciliations, payroll, and employee reimbursements. Manage GST, TDS, income tax, EPF, and ESIC compliance, including filings and reconciliations. Support financial statements, budgets, tax calculations, and client, vendor, banker, and auditor queries using Tally and related accounting systems.
Top Skills:
ExcelGstMS OfficePayroll Processing SoftwareSAPTallyTdsZoho
What you need to know about the Delhi Tech Scene
Delhi, India's capital city, is a place where tradition and progress co-exist. While Old Delhi is known for its rich history and bustling markets, New Delhi is defined by its modern architecture. It's clear the region places a strong emphasis on preserving its cultural heritage while embracing technological advancements, particularly in artificial intelligence, which plays a central role in shaping the city's tech landscape, fueled by investments in research and development.
