Portfolio Relationship Manager_Working Capital_0412_0871_1056077
Kotak Mahindra Bank · Surat
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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