Kotak

Business Relationship Manager - WC-Working Capital-Sales

Job Description

Business Relationship Manager

Department

Business Banking Assets

Location

Position Grade

Deputy Manager / Manager / Sr. Manager

Job Role: Business Relationship Manager

Job Description

• 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.
• 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.
• 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 including WC limits 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.

Job Description

Job Requirement

• 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 Skills
• Relationship Management Skill & Good influencing skills
• Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc