Job Description:

Job Title:

Relationship Manager / Senior Relationship Manager – Corporate Conglomerate Group (CCG)

Department:

Wholesale Banking / Corporate Banking / Large Corporate Coverage

Role Overview:

The Corporate Conglomerate Group (CCG) manages relationships with large business houses, diversified conglomerates, and promoter-driven groups with multi-sector operations. The role focuses on end-to-end relationship management, credit origination, risk management, and cross-selling across group entities.

Key Responsibilities:

Relationship Management

- Act as the single point of contact for assigned conglomerate groups and their subsidiaries.

- Build and deepen relationships with promoters, CXOs, CFOs, and treasury teams.

- Drive group-level wallet share by offering integrated banking solutions.

Credit & Lending

- Originate and structure large-ticket credit proposals including:

- Fund-based and non-fund-based limits

- Term loans, working capital, project finance

- Structured finance and syndicated loans

- Coordinate credit appraisal, financial analysis, and risk assessment.

- Ensure compliance with internal credit policies and regulatory guidelines.

Transaction Banking & Fee Income

- Drive CASA, cash management, trade finance, and forex business.





- Cross-sell:

- Transaction banking solutions

- Supply chain finance

- Treasury and derivatives products

- Investment banking / capital market products (where applicable)

Group Coverage & Coordination

- Manage exposure across multiple group entities.

- Coordinate with product teams, credit, legal, operations, and risk.

- Monitor group-level exposure, limits, and covenant compliance.

Portfolio & Risk Management

- Regularly review financial performance and industry trends.

- Track early warning signals and manage credit quality of the portfolio.

- Support restructuring, renewal, and enhancement of facilities.

Compliance & Governance

- Ensure adherence to KYC, AML, and regulatory requirements.

- Maintain accurate documentation and reporting.

Key Skills & Competencies:

- Strong understanding of corporate credit, balance sheet analysis, and risk management

- Knowledge of multiple industries and conglomerate structures

- Ability to handle large exposures and complex group relationships

- Robust negotiation, stakeholder management, and communication skills

- Commercial acumen with a relationship-driven approach

📌 Kotak Bank/ Corporate Conglomerate Group- RM/ Mumbai
🏢 Acura Solution
📍 Mumbai