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:
Robust 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