Portfolio Relationship Manager_SME_0412_1780_1039743 Wholesale Banking – SME –Portfolio Relationship Manager Grade – Manager/Senior Manager/Chief Manager About the Business SME, part of Wholesale Banking Group, deals in corporates with turnover between fifty to five hundred crores. These current corporates have unique and challenging banking needs Specification What are the areas (in quantitative terms) the job has an impact on? PRM will manage existing book.

PRM will be doing limit enhancement, renewals and refer new to bank accounts. PRM will own the relationship and be a SPOC for all client needs. PRM will cross sell Trade, Forex and CMS solutions Key Deliverables New To Bank Accounts Growing the current book size Cross Sell Portfolio Profitability and Hygiene Relationships External clients Internal clients- BIU, Product, RMs, Leadership Team Qualification and Experience Graduate Preferably MBA or CA Job Skills Stays abreast of the key trends in identified markets and leverages that knowledge when engaging with customers Anticipates and analyses client needs and expectations Understands the importance of KOTAK ethics when dealing Understands the importance of and the principles of credit appraisal/risk at Kotak.

Understand company financials 1.

Portfolio Management

Manage and grow the existing client portfolio by maintaining strong relationships and understanding client needs. Handle credit renewals, limit enhancements, and ensure timely documentation and compliance. Monitor portfolio health and ensure adherence to internal risk and credit guidelines. 2.

Client





Acquisition & Relationship Ownership Refer and onboard New-To-Bank (NTB) accounts by identifying potential clients and presenting Kotak’s value proposition. Act as the SPOC for all client interactions, ensuring seamless coordination across products and services. Build long-term relationships with clients to enhance engagement and retention.

- Cross-Selling & Revenue Growth Identify opportunities to cross-sell Trade Finance, Forex, and Cash Management Services (CMS) solutions. Collaborate with internal product teams to deliver customized solutions that meet client requirements. Drive revenue growth through increased product penetration and wallet share. 4.

Portfolio

Profitability & Hygiene Ensure profitability of the managed portfolio by optimizing pricing, product mix, and service delivery. Maintain portfolio hygiene by ensuring timely renewals, documentation, and compliance with credit norms. Track and manage delinquencies, if any, and take proactive steps to mitigate risks.

- Internal & External Stakeholder Management Liaise with internal teams such as BIU, Product, Risk, and Leadership to ensure smooth service delivery. Represent client interests internally and ensure timely resolution of service issues. Maintain strong external relationships with clients, auditors, and other stakeholders.

Qualifications &

Experience Graduate (mandatory); MBA or Chartered Accountant (preferred). Prior experience in SME banking, corporate relationship management, or credit appraisal is desirable.

Experience Level Mid Level

📌 Portfolio Relationship Manager - SME Banking (Pune)
🏢 Kotak Mahindra Bank
📍 Pune