Business Relationship Manager - Working Capital

Company Description Kotak Mahindra Bank is part of the Kotak Mahindra Group, one of Indias leading financial services conglomerates, established in 1985. The Groups flagship company became Kotak Mahindra Bank Limited in 2003, when it was the first non-banking finance company in India to receive a banking license from the Reserve Bank of India. The Group offers a broad range of financial services, including commercial banking, stock broking, mutual funds, life insurance, and investment banking, serving both individual and corporate clients. With a strong balance sheet, robust net worth, and a wide distribution network across India and international financial centers, Kotak Mahindra Bank provides a dynamic and growth-oriented environment for professionals.

Role Description This is a full-time, on-site role for a Business Relationship Manager – Working Capital, based in Delhi, India. The role involves managing and growing a portfolio of business clients by offering working capital solutions, including credit facilities, trade finance, and cash management products. The Business Relationship Manager will meet clients regularly to understand their financial needs, structure appropriate solutions, and ensure timely documentation, sanction, and disbursement. The role includes monitoring portfolio health, tracking limits and utilization, managing risk and compliance requirements, and ensuring adherence to internal policies and regulatory guidelines. The individual will collaborate with internal product, credit, and operations teams, prepare client proposals and presentations, and work towards achieving sales, revenue, and profitability targets while maintaining high levels of client satisfaction.

Qualifications

• Strong relationship management and stakeholder engagement skills, with the ability to build and maintain long-term partnerships with business clients.
• Solid understanding of working capital products, trade finance, business banking, and credit analysis, including financial statement interpretation and risk assessment.
• Proficiency in sales, negotiation, and portfolio management, with a focus on achieving targets in a structured, compliant manner.
• Effective communication, presentation, and documentation skills, with attention to detail and accuracy.
• Comfort using banking systems, CRM tools, and standard office software (e.g., Excel, PowerPoint, Word) for reporting and analysis.
• Bachelors degree in Finance, Commerce, Business, Economics, or a related field; a postgraduate degree or professional certification (e.g., MBA, CA, CFA) is an advantage.
• Prior experience in business banking, corporate banking, or SME lending, preferably with exposure to working capital products.
• Ability to work in a fast-paced, target-driven environment, demonstrate sound judgment, and uphold high ethical and compliance standards.