Jobs at Kotak Mahindra Bank

Drive deposit growth, acquire and deepen customer relationships, cross-sell mutual funds, insurance, and other financial products, generate fee income, and oversee branch service, compliance, administration, team performance, productivity, morale, break-even results, and P&L. Collaborate with product and marketing teams on new offerings and sales initiatives.

Manage corporate customer relationships for treasury and foreign exchange products. Drive revenue, transaction volume, trade and FX wallet share, and derivative growth. Coordinate with relationship managers, credit risk, operations, and treasury teams. Ensure accurate and timely transaction processing, hedging, documentation, suitability compliance, and adherence to bank policies. Manage credit, market, reputational, and legal risks while identifying customer business opportunities using market and pricing knowledge.

Sources, attracts, and hires candidates to meet staffing needs. Coordinates with stakeholders on requirements, develops sourcing strategies, creates job descriptions and interview questions, forecasts hiring needs, and maintains detailed recruitment records. The role requires full-cycle recruiting experience, strong communication and interpersonal skills, and proficiency with applicant tracking systems and social media recruiting tools.

Acquire and manage high-value business banking customers, especially Current Account clients. Build family banking relationships, cross-sell insurance and investment products, promote CMS, POS, and Beat services, and meet branch-level sales objectives. Coordinate with credit, legal, operations, and product teams to support smooth customer onboarding and servicing while maintaining long-term customer relationships.

Handle day-to-day trade finance transactions, coordinate with CPC, CMS, clearing teams, clients, correspondent banks, and internal business groups, and resolve discrepancies and queries. Review trade documents, issue Letters of Credit, support corporate customer requirements, follow compliance guidelines, and ensure accurate processing within agreed turnaround times. Maintain familiarity with Trade Finance and CMS products.

Drive cash management business among affluent and emerging customers by supporting relationship managers, acquiring and expanding client relationships, and achieving revenue and product penetration targets. Design customized collections, payments, liquidity, and digital banking solutions; coordinate onboarding and implementation with product, operations, and technology teams; ensure regulatory compliance; resolve servicing issues; and provide market intelligence for product and strategy improvements.

Leads a five-person regulatory complaints team, ensuring grievances are resolved accurately and within seven-day regulatory timelines. Monitors case ageing, pendency, follow-ups, service quality, productivity, customer satisfaction, and compliance. Coordinates with stakeholders on clarifications, maintains documentation and process governance, escalates sensitive cases, and coaches officers to improve performance and resolution quality.

Manage small-business client relationships by providing working-capital and business-loan solutions, including cash credit, demand loans, buyers credit, letters of credit, and bank guarantees. Acquire customers with branch-banking teams, cross-sell deposits and transaction products, grow portfolio profitability, analyze client cash flows, monitor competition, maintain service quality, improve processes, and lead direct sales staff toward targets.

Manage small-business client relationships by understanding business needs and providing working-capital, business-loan, trade-finance, and transaction-banking solutions. Grow portfolio size and profitability through customer acquisition, cross-selling, competitive positioning, and relationship development with CFOs and promoters. Collaborate with branch banking and operating teams, maintain service quality, improve processes, and recruit and guide direct sales team members.

Manages small-business banking relationships by assessing client needs, providing working-capital and business-loan solutions, and selling fund and non-fund products. Acquires customers through branch-banking partnerships, cross-sells deposits, transaction banking, and trade-finance services, and develops relationships with CFOs and promoters. Grows portfolio profitability, monitors competition, improves processes, coordinates customized solutions, and supports sales team performance.

Acquire and manage high-value relationships across trusts, societies, educational institutions, NGOs, hospitals, associations, government entities, and other institutional clients. Build rapport with senior decision-makers, present proposals, negotiate and close deals, and grow the TASC and Institutional Business portfolio through strong sales and relationship management.

Drives cash management services revenue across affluent and emerging customer segments. Supports relationship managers with client acquisition, cross-selling, and customized solutions covering collections, payments, liquidity management, and digital banking. Coordinates onboarding and implementation with product, operations, and technology teams, ensures regulatory compliance, resolves servicing issues, monitors market trends, and provides product enhancement feedback.

Manage business loan sales and distribution across an assigned area. Responsibilities include sourcing and sanctioning loans, building channel partnerships, managing DSAs and customer relationships, expanding the distribution network, conducting marketing and cross-selling activities, coordinating branches and support functions, and overseeing pre- and post-disbursement processes and renewals.

Drive investment product sales and AUM growth among HNI and UHNI clients across mutual funds, PMS, AIFs, structured products, bonds, equities, and alternative investments. Acquire and manage client relationships, provide advisory-led investment solutions, identify market opportunities, collaborate with internal stakeholders, and ensure regulatory and risk-management compliance.

Performs commercial banking operations, including legal document verification, collateral and limit maintenance, CERSAI charge management, insurance coordination, disbursement processing, post-disbursement tracking, audit liaison, file handovers, and MIS reporting. Ensures documentation, sanction terms, stamp duty requirements, and regulatory standards are followed while coordinating with business units, treasury, CMS, vendors, auditors, and other internal teams.

Leads branch sales and profitability by growing the deposit base, deepening customer relationships, cross-selling mutual funds, insurance, and other products, generating fee income, and managing branch performance. Oversees customer service, administration, regulatory compliance, team productivity, morale, and P&L outcomes while coordinating with product, marketing, and other business functions.

Manage and grow an existing working capital client portfolio by renewing and enhancing credit limits, understanding client cash flows, monitoring utilization, ensuring compliance documentation, minimizing delinquencies, and identifying cross-sell opportunities. Build relationships with promoters and decision-makers, conduct client visits, onboard new customers, maintain CASA balances, generate float income, and coordinate with internal banking teams to resolve issues.

Acquire retail loan customers through direct sourcing, referrals, cold calling, DSAs, and channel partners. Generate leads, manage partner relationships, verify documentation and KYC compliance, coordinate loan processing with internal teams, track applications, provide customer support, and meet sales targets for home loans, loans against property, and personal loans.

Processes NEFT, RTGS, IMPS, and internal transfer transactions; performs settlement, pool account reconciliation, control checks, and maker-checker reviews. Publishes MIS reports, dashboards, and performance analysis for management. Coordinates with IT and business support teams to resolve system issues, meets SLAs, follows regulatory and internal procedures, and manages escalations while maintaining transaction accuracy.

Provides general support services as a team member. The posting does not include specific responsibilities, qualifications, technologies, compensation, travel requirements, or clearance information.