Portfolio Relationship Manager-Working Capital-Sales

Job Description

The Portfolio Relationship Manager-Working Capital-Sales position sits in the Kotak Mahindra Bank office in Delhi.

Job Post:  Oversee and service existing portfolio of WC clients among them renewal and enhancement of limits  Develop robust and effective relationship with Promoters and create customer trust and confidence  Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs.  Secure progress in the portfolio by way of enhancement and attain a minimum business target as defined in the SOP.  Secure 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 customer locations at frequent intervals to stay connected and secure progress and functionality of business model.  Sustain optimum portfolio hygiene by securing client organisation’s entire churn is routed through KMBL along with closure of other CA’s.  Push customer for optimum utilization and track the utilization pattern MOM to pinpoint any unusual transaction.  Ensure minimum delinquency and work towards exit of customers identified in EWS.  Be the face for the customer for his entire WC solutions. Deliver timely advice and keep client organisation updated with latest developments and pitch products beneficial to customer for smoother working.  Liaison with internal departments – credit/ops/trade desk/branch to facilitate customer issues and see to it that the same are resolved within minimum TAT.  Drive cross sell products and book penetration in allocated set of client organisations.  Generate leads from existing customers and on-board new customer’s basis existing relationship management.  Sustain CASA book and generate float income by opening all group accounts.  Tracking of trade and forex transaction done by customer and generating income openings from this. Job Requirement  Preferably MBA/ CA  Experience: 2-3 years track record in the local market preferably some background in Credit & Sales Understanding is required - aptitude to get the customer to buy into the asset proposition- loan amount, rate & fees.  Sound oral and written Communication  Relationship Management Skill  Good influencing capabilities  Job Know-how- The person would need to handle Sales for a gamut of products like OD, CC, BG, LC, Export/Import limits  Strong written and oral communication competencies  First-rate written and oral communication capabilities