Kotak Mahindra Bank
Business Relationship Manager - WC_Working Capital-Sales_Mumbai
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Manage and grow an existing working capital client portfolio by structuring credit solutions, renewing and enhancing limits, monitoring utilization and compliance, minimizing delinquencies, and driving cross-sell and new customer acquisition. Build relationships with promoters, conduct client visits, resolve issues with internal teams, ensure documentation completion, identify early warning signals, and grow CASA balances and float income.
We are looking for a proactive and client-focused Relationship Manager to manage and grow an existing portfolio of Working Capital (WC) clients. The role involves deep engagement with clients to understand their business models, structure appropriate WC solutions, and ensure timely renewals and enhancements of credit limits. The ideal candidate will be responsible for maintaining strong relationships with promoters and key decision-makers, ensuring compliance with internal processes, and driving cross-sell opportunities. The role also includes monitoring utilization patterns, ensuring timely submission of documentation, and coordinating with internal departments to resolve client issues efficiently.
ResponsibilitiesManage and service an existing portfolio of WC clients, including renewal and enhancement of limits.
Build strong relationships with promoters to foster trust and long-term engagement.
Understand client business models, cash flows, and structure WC solutions accordingly.
Drive portfolio growth through limit enhancements and meet defined business targets.
Ensure timely renewal of limits and closure of all pending PDDs.
Track and follow up with clients for submission of stock statements, insurance, and audit compliance.
Conduct regular client visits to assess business health and maintain engagement.
Monitor utilization patterns monthly and flag unusual transactions.
Minimize delinquencies and manage exit of clients flagged under Early Warning Signals (EWS).
Provide timely advice and updates to clients on relevant banking products and developments.
Liaise with internal teams (credit, ops, trade desk, branch) to resolve client issues within defined TAT.
Drive cross-sell of WC limits and increase product penetration in the assigned portfolio.
Generate leads from existing clients and onboard new customers through relationship expansion.
Maintain CASA book and generate float income by opening group accounts.
Kotak Mahindra Bank Mumbai, Maharashtra, IND Office
Mumbai, India
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Manage and grow an existing working capital client portfolio by structuring credit solutions, renewing and enhancing limits, monitoring utilization, ensuring documentation and compliance, minimizing delinquencies, and resolving client issues. Build relationships with promoters, conduct client visits, drive cross-selling and new customer acquisition, maintain CASA accounts, and generate portfolio growth and float income.
Fintech • Payments • Financial Services
Manage and grow an existing working capital client portfolio by structuring credit solutions, renewing and enhancing limits, monitoring utilization and compliance, minimizing delinquencies, and driving cross-sell and new business. Build relationships with promoters and decision-makers, conduct client visits, resolve issues with internal teams, follow up on documentation, manage early warning signals, and expand CASA accounts and float income.
Fintech • Payments • Financial Services
Manage and grow an existing working capital client portfolio through renewals, credit-limit enhancements, client relationship management, cross-selling, and new customer acquisition. Assess business models and cash flows, monitor utilization and early warning signals, ensure documentation and compliance, minimize delinquencies, and coordinate with internal teams to resolve issues. Conduct client visits, maintain CASA accounts, generate float income, and meet portfolio growth targets.
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