Job Description

Relationship Manager / Senior Relationship Manager – Working Capital Acquisition

Organisation: Kotak Mahindra Bank Ltd.
Business Unit: Business Banking Assets
Department: Working Capital Acquisition
Locations: Jaipur and Ajmer, Rajasthan
Grade: Manager / Senior Manager
Experience: 3–7 years
Role Purpose

To drive recent-to-bank (NTB) customer acquisition and grow the Working Capital portfolio by developing relationships with SME/MSME customers, identifying business opportunities and delivering quality lending business in the assigned geography.
Key Responsibilities

A. Business Development & Customer Acquisition
Acquire recent SME/MSME customers for Working Capital facilities.
Generate quality leads through market mapping, referrals, CA networks, business associations and direct customer engagement.
Build and maintain a solid pipeline of prospective borrowers.
Achieve assigned targets for NTB acquisition, sanctions, disbursements and portfolio growth.

B. Working Capital Products
Source and develop business across Cash Credit (CC),



Overdraft (OD), Term Loans, Export Packing Credit (EPC), PCFC, Bank Guarantees (BG) and Letters of Credit (LC), as applicable.
Identify cross-selling opportunities across relevant business banking products.
Develop customer relationships to improve overall banking engagement and share of business.

C. Credit Assessment & Proposal Management
Understand customers’ business models, financial statements, banking operations and working capital requirements.
Analyse financial performance, cash flows, debt obligations and repayment capacity.
Coordinate preparation and submission of credit proposals with complete documentation.
Liaise with Credit, Operations, Legal, Technical and other internal teams for timely processing and disbursement.
Ensure adherence to the bank’s credit policies, documentation requirements and regulatory guidelines.

D. Portfolio Quality & Risk Management
Ensure quality so

📌 Relationship Manager Jaipur (India)
🏢 Kotak Mahindra Bank
📍 India