Job Description: Role Objective

To acquire, manage and grow mid-corporate client relationships (typically ₹100–₹750 Cr turnover segment) by delivering credit solutions, liability products, and transaction banking services while ensuring portfolio quality and compliance.

Key Responsibilities 1️⃣ Client Acquisition & Relationship Management

- Identify & onboard mid-corporate clients in Chennai region

- Build multi-level relationships with promoters, CFOs, and treasury heads

- Manage end-to-end client onboarding, documentation & compliance

- Drive customer satisfaction and wallet share growth

2️⃣ Credit & Risk Management

- Assess borrowing requirements & structure credit proposals (Working Capital / TL / NFB)

- Financial statement analysis: ratios, cash flows, capital structure, industry benchmarking

- Prepare Credit Appraisal Memos for internal approvals

- Monitor portfolio health – reviews, renewals, early warning signals

3️⃣ Business Growth & Revenue Generation

- Deliver AOP targets for:

- Asset Book Growth (WC, CC, OD, BG, LC, TL, LAP, etc.)

- Liabilities Mobilization (CA / SA / Term Deposits)

- Transaction Banking (CMS, FX, Trade Finance)

- Cross-sell treasury, cash mgmt., corporate salary, digital solutions

4️⃣ Compliance & Governance

- Maintain strict adherence to KYC/AML,



RBI norms & internal risk policies

- Ensure clean portfolio — manage overdue positions & CMA breaches

Required Skills & Competencies Skill Category Required Expertise
Financial Analysis Balance sheet/PL/CF analysis, banking ratios
Credit Structuring WC, BG/LC, TL, external ratings
Sales & Negotiation Corporate decision-making engagement
Regulatory Knowledge RBI guidelines, FEMA, Trade Finance
Collaboration Work with product, legal, ops, credit & treasury teams
Qualifications

- MBA / PGDM in Finance / CA preferred

- 4–10+ years experience in Corporate / Mid-corporate Banking

- Solid Chennai corporate market understanding & network

Key Performance Indicators (KPIs)
- Asset book size & yield improvement

- Fee income from trade & CMS

- CASA growth and NTB acquisitions

- Portfolio risk score & compliance metrics

- Client retention & cross-sell ratio

Typical Product Exposure
- Fund-based: WC, OD, TL, LAP, LC-backed limits

- Non-fund based: BG, LC

- FX & Derivatives (as per internal approval matrix)

- CMS, POS, Digital collections & Vendor Financing

Stakeholder Management
- Internal: Credit, Risk, Legal, Ops, Trade Finance, Treasury

- External: Auditors, Credit Rating Agencies, Consultants

📌 Kotak Mahindra Bank/ RM - Mid corporate / Chennai
🏢 Acura Solution
📍 Chennai