Description

Job Purpose

To manage and grow a portfolio of Small Business Enterprise (SBE) customers by providing financial solutions, maintaining robust client relationships, and ensuring portfolio quality through regular monitoring and risk management.

Key Responsibilities
Manage an assigned portfolio of SBE customers and act as the primary relationship manager.
Deepen existing customer relationships through cross-selling banking products such as Business Loans, Working Capital, Current Accounts, Trade Services, Insurance, and Investment Products.
Achieve portfolio growth targets in terms of assets, liabilities, and revenue.
Conduct regular customer visits to understand business requirements and identify business opportunities.
Analyze financial statements, banking transactions, and credit requirements to recommend suitable banking solutions.
Ensure quality of portfolio by monitoring repayment behavior and minimizing delinquencies.




Coordinate with credit, operations, and service teams for timely processing of customer requests.
Ensure compliance with regulatory guidelines, bank policies, and KYC requirements.
Maintain accurate customer records and portfolio data in the bank's systems.
Track market trends and competitor activities to enhance customer engagement and business acquisition.

Required Qualifications
Graduate in any discipline (MBA/PGDM preferred).
2 to 8 years of experience in Business Banking, SME Banking, Relationship Management, or Sales.
Solid understanding of SBE/SME lending products and credit assessment.
Knowledge of financial statement analysis and banking operations.
Positive communication, relationship management, and negotiation skills.

📌 Portfolio Relationship Manager Sbe Small Business Enterprise 0412 7633 1100926 Vijayawada
🏢 Kotak Mahindra Bank
📍 Vijayawada