Relationship Manager - Portfolio Manager - BFS

- To manage, maintain and enhance the assigned Portfolio of existing customers.

- Portfolio RM would be responsible for Timely renewal and enhancement of mapped customers, and for cross-sell and up-sell on these customers. PRMs also have to drive new acquisition through customer referrals.

- To ensure that Portfolio quality continues to be excellent by acting on EWS data and customer and industry feedback. Portfolio hygiene in the form of Churn, PDD, Delinquency, Stock Insurance etc. also has to be driven by PRMs.

- To understand clients' business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Export finance, Demand Loan, Buyers credit, LC, BG etc.

- 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.

- 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

- 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 range of products like BL, OD, CC.