Kotak Mahindra Bank
Portfolio Relationship Manager - WC_Working Capital_0412_0171_1039194
Be an Early Applicant
Manage and grow a working capital client portfolio by renewing and enhancing credit limits, structuring lending solutions, ensuring compliance, minimizing delinquency, and improving product utilization. Build relationships with promoters, visit client sites, resolve issues with internal teams, cross-sell banking products, generate leads, maintain CASA balances, and identify trade and forex revenue opportunities.
Portfolio Relationship Manager - WC
Department Working Capital (WC) Location Reporting Relationship Position Grade M3/M4
Job Role
- Manage and service existing portfolio of WC clients 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 and structure WC 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, LC, Export/Import limits
- Excellent written and oral communication skills
- Excellent written and oral communication skills
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