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As a Branch Manager in the Retail Liabilities vertical, you will be responsible for driving business growth, ensuring operational excellence, and delivering superior customer service. This role demands a dynamic leader with strong sales acumen, regulatory awareness, and the ability to manage a high-performing team. You will oversee the branch’s profitability, compliance, and customer engagement, while also promoting cross-selling of financial products
- Job Description
- To understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG.
- Work closely with Branch Banking teams for new customer addition.
- To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies.
- To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.
- Focus to continually increase the Book size and profitability of the assigned portfolio.
- To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships.
- To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market Maintain high caliber client service.
- Improve efficiency by monitoring & overseeing continuous improvement of processes Constantly have a rapport with the operating units to customize and develop solutions
- Job Requirements :
- Preferably MBA/ CA Experience: 2-3 years’ experience in the local market preferably some background in Credit & Sales Knowledge is required
- Ability to get the customer to buy into the asset proposition- loan amount, rate & fees.
- Strong oral and written Communication
- Relationship Management Skill
- Valuable influencing skills
Drive enhancement of the deposit pool from existing and new customers. Ensure high standards of customer service delivery across all touchpoints. Promote and achieve cross-selling targets for non-deposit products. Lead sales initiatives for Mutual Funds and Insurance products. Generate fee-based income through strategic product offerings. Oversee branch administration and ensure smooth day-to-day operations. Ensure full compliance with regulatory and internal guidelines. Foster a productive and motivated branch team environment. Take ownership of the branch’s Profit & Loss and break-even performance. Collaborate with internal stakeholders for product innovation and marketing initiatives.