Portfolio Relationship Manager - Working Capital-Sales

Job description

Position - Portfolio Relationship Manager - WC-Salaried PL And Working Capital-Sales Department - WCG Portfolio Reporting Relationship - Will report to TBM/ABM/RBM Position Grade - M2/M3/M4 Job Role • To understand clients business & provide appropriate working capital solutions across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. • To managed the mapped portfolio through regular meetings with the clients, to serve them, and to enhance the wallet share • Build a sustainable direct sourcing channel by working closely with DSAs, CAs, associations etc. for new customer acquisition. • 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. • Focus on continually increasing book size and profitability of the assigned portfolio. • To understand client business model, 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 • Share rapport with other operating units to customize and develop solutions • To ensure correct sourcing of clients is done and maintain high standard of hygiene parameters including managing risk/delinquency etc. Job Requirement • Excellent written and oral communication skills • Preferably MBA/ CA • Experience: 2-3 years experience in the local market preferably some background in Sales & Credit 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, Imp/Exp limits etc.