Company Description Kotak Mahindra Group, established in 1985, is one of India’s leading financial services conglomerates and the first non-banking finance company in India to receive a banking license, becoming Kotak Mahindra Bank Limited in 2003. The Group offers a comprehensive range of financial products and services, including commercial banking, stock broking, mutual funds, life insurance, and investment banking.

It serves both individual customers and corporate clients through an extensive branch and franchise network across India.

Kotak

Mahindra also has international offices in major financial centers such as London, New York, Dubai, Abu Dhabi, Bahrain, Mauritius, California, and Singapore, providing global exposure and growth opportunities for team members. More information about the Group and its services is available on the company’s website.

Role Description The Portfolio Relationship Manager is a full-time, in office role based in Ludhiana,Punjab, India. This role is responsible for managing and growing a portfolio of comprising of corporate SME customers, ensuring high levels of service quality and client satisfaction.

Day-to-day responsibilities include maintaining regular contact with clients, understanding their financial needs, recommending appropriate banking products, and monitoring account activity to identify opportunities and risks.

The Portfolio Relationship

Manager collaborates with internal teams to support onboarding, documentation, credit processes,



and resolution of customer issues, while adhering to regulatory and bank compliance standards. The role also involves meeting portfolio growth and revenue targets through cross-selling, up-selling, and proactive relationship management.

Qualifications

- MBA/CA with relevant experience of 4 years and above.
- Strong relationship management and client-facing skills, with the ability to understand customer needs and build long-term trust.
- Good knowledge of retail and/or corporate banking products and services, including deposits, loans, and investment offerings.
- Ability to analyze customer portfolios, monitor performance, and identify growth opportunities while managing risk.
- Effective communication and interpersonal skills, with proficiency in spoken and written English; knowledge of local languages is an advantage.
- Solid organizational and time-management skills to handle multiple accounts, documentation, and follow-ups efficiently.
- Comfort with using banking systems, CRM tools, and basic MS Office applications for reporting and portfolio tracking.
- Bachelor’s degree in Finance, Business, Economics, or a related field; a postgraduate qualification or professional certification is an added benefit.
- Prior experience in relationship management, sales, or portfolio handling in financial services or banking is highly desirable.
- Commitment to ethical conduct, regulatory compliance, and delivering inclusive, customer-centric service.

📌 Portfolio Relationship Manager (Ludhiana)
🏢 Kotak Mahindra Bank
📍 Ludhiana