We are looking for a proactive and client-focused Relationship Manager to manage
and grow an existing portfolio of Working Capital (WC) clients. The role
involves deep engagement with clients to understand their business models,
structure appropriate WC solutions, and ensure timely renewals and enhancements
of credit limits. The ideal candidate will be responsible for maintaining strong
relationships with promoters and key decision-makers, ensuring compliance with
internal processes, and driving cross-sell opportunities. The role also includes
monitoring utilization patterns, ensuring timely submission of documentation,
and coordinating with internal departments to resolve client issues efficiently.

RESPONSIBILITIES

Manage and service an existing portfolio of WC clients, including renewal and
enhancement of limits. Build strong relationships with promoters to foster trust
and long-term engagement. Understand client business models, cash flows, and
structure WC solutions accordingly. Drive portfolio growth through limit




enhancements and meet defined business targets. Ensure timely renewal of limits
and closure of all pending PDDs. Track and follow up with clients for submission
of stock statements, insurance, and audit compliance. Conduct regular client
visits to assess business health and maintain engagement. Monitor utilization
patterns monthly and flag unusual transactions. Minimize delinquencies and
manage exit of clients flagged under Early Warning Signals (EWS). Provide timely
advice and updates to clients on relevant banking products and developments.
Liaise with internal teams (credit, ops, trade desk, branch) to resolve client
issues within defined TAT. Drive cross-sell of WC limits and increase product
penetration in the assigned portfolio. Generate leads from existing clients and
onboard recent customers through relationship expansion. Maintain CASA book and
generate float income by opening group accounts.

📌 Business Relationship Manager (India)
🏢 Kotak
📍 India