Business Relationship Manager - SBE Department Small Business Enterprise (SBE) Location Bangalore Reporting Relationship IC Position Grade M1/M2 Job Role • To understand clients business & provide appropriate working capital and business loan solutions. • Deal across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. • 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 on continually increasing book size and profitability of the assigned portfolio. • To understand client business model, 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 • Share rapport with other operating units to customize and develop solutions • Recruiting DST’s, assisting them in achieving their targets and driving them towards company goals with Branch Banking as the main channel. Job Requirement • Preferably MBA/ CA • Experience: 1-3 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 • Good influencing skills • Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL, OD, CC. • Excellent written and oral communication skills