1408 Working Capital Jobs - Page 15

About The Role Relationship Manager-Loan Against Property Reporting Relationships Location Manager The "Loan Against Property (LAP)" Business vertical is the part of "Secured Assets" division of the Consumer Bank.This vertical specializes in acquiring retail customers for funding against Residential, Commercial & Industrial Properties. We also provide loans for purchase of Commercial Properties and funding with Lease Rental Discounting. The target customer segment is small & medium traders, manufacturers & service provides and self-employed professionals. We have recently started funding Salaried customers also. The vertical has Pan India presence with coverage in most of the major towns of the country. The Sales team comprises Relationship Managers (RMs) who are responsible for acquiring LAP customers from various channels i.e. Direct Marketing Agents, Direct Sales Teams, Branch Banking & Other Group Businesses etc. Job Role: Manage sales for Loan against Property business from cross channel and open market Manage sales and distribution through the cross channel and open market channels Ensure unilateral growth by adding new Branches Manage and grow the Direct Sales team and focus on increased Productivity Marketing and encashing catchment areas Meeting HNI clients and explaining various products related to Loan against property/HF/ Working capital. Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets Responsible for Project approvals of Builders Ensure additional revenue generation through cross sell & Multi selling of Insurance, CASA , Credit Cards etc. Training & Development of the DST Team and DSAs Liasoning with Internal teams for business like Credit, Legal, Technical, RCU & Operations Responsible for end to end processing of the case and updating the status of the same to the customers. Ensuring Top Class service for Customers for better NPS Scores Experience in SECURED LOAN SALES is Must Job Requirements: Qualification - Graduate MBA Skills & Experience Minimum 2 years work experience in Home LoanMortgage Sales with DMA/DST/Bank Branches Customer relationship management skills Sales and service orientation

Job Responsibilities : The person would be responsible for onboarding Corporates on the M1xchange (TReDS platform), activating these corporates for transactions and maintaining relationships to maximize business opportunities. The person will be responsible for maximizing throughput (factoring of bills) from all onboarded corporates in his/her portfolio. The RM will be responsible for P&L for his/her respective portfolio he/she should ensure profitability parameters and charges are optimized for each corporate relationship in particular, and the portfolio overall. The person would be responsible for the increase in throughput, outstanding, revenues, yields & other business performance metrics for the assigned geography for all products covered under the Mynd umbrella. Growing the partner/distribution network and growing the under- tapped segments/companies/territories for business. Achieve sales targets in line with the target established for the area in terms of revenues & volumes. Plan, Forecast, measure, and report business volumes on a daily, weekly, or monthly basis as required. Functional Competencies: The person should be team player and should be able to work with and manage direct, support and cross-functional teams and other relevant stakeholders to grow business. Ability to drive relationship at CXO/promoter levels and decision makers. Should be able to partner the stakeholders in the clients to work out solutions for them from our product suite. The person should be able to plan, forecast, measure, and report business volumes on a daily, weekly, or monthly basis as required Strong partner relationship management and solution development skills Have deep knowledge and expertise of the partners in the geography to drive partner connection in the defined territory to ensure maximum partner impact on customer acquisition, renewals and consumption Should be Thought Leader, Target Oriented, Assertive, Focused, and Honest & Hard-working. Profile and Qualifications: Minimum 7 to 10 years experience in Banking/Financial Services/Fintech domain and ready to take on challenges for a speedy career growth. Experience should include Core Sales, Market Expansion/Penetration, Business Development in Financial Services domain. Minimum required qualification: Graduate (preferably in Finance/Commerce). Candidate must have experience in working on digital platforms. Must be solution oriented. Must have strong analytical skills. Candidates with a professional degree in Finance will be preferred (MBA, CA etc.) Candidates based locally and operating in the required catchment area will be preferred. Kindly share your resume on : omkar.mishra@m1xchange.com

About The Role Role: Manage big ticket size clients having group exposure above 5 Cr Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure timely closure of all pending PDD"s. Tracking and liaison with customer for any stock statements submissions pending, Stock insurance pending and ensure timely stock audit gets done. Visit to client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Maintain optimum portfolio hygiene by ensuring entire churning is routed through KMBL and push for closure of other CA"s. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"s basis existing relationship management. Maintain CASA book and generate float income by opening all group accounts. Tracking of trade and forex transaction done by customer and generating income opportunities from this. Job Requirement Preferably MBA/ CA Experience2-3 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

Sourcing of New to Bank business banking accounts & Managing the Business Banking portfolio assigned. with different products like OD/CC/ BG/Term Loans/Forex/etc Cross sell of Liability based products liked FD, SA

To understand clients business & provide appropriate working capital solutions 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 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 : Excellent written and oral communication skills 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 Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL, OD, CC.

JOB ROLE Develops new and expands existing High Net worth Customer relationships for liabilities and commercial assets . Ensures high levels of customer service orientation and application of bank policy. Cross sells existing bank products to customers. Informs customers of new products or product enhancements to further expand the banking relationship. Plans and conducts special sales initiatives and events for prospective and existing clients. Coordinates with other group companies to provide seamless access to other products. Maintains complete relationship record for assigned customer accounts. Tracks customer complaints/queries and turnaround times for customer satisfaction JOB REQUIREMENT 4 to 5 years work experience Developing and maintaining banking relationships with a select group of high net worth customers through individualized customer service. Very good understanding of Trade and Forex. Very good understanding of Commercial Assets like CC, OD, TL, Export Finance etc Understanding of MF and Insurance an added advantage Customer orientation, High energy and drive. Go getter attitude. Self motivated with a passion to achieve.

About The Role Role Sourcing of New to Bank business banking accounts & Managing the Business Banking portfolio assigned Assisting the client"s business with different business banking products like OD/CC/ BG/Term Loans/Forex/etc Cross sell of Liability based products liked Fixed Deposit, savings account to the portfolio clients Maintaining the service standards set by the bank in collaboration with the service support team Maintain Co-ordial relationships with internal stakeholder and external agencies to generate leads for New to bank Clients. Job Requirement Ability to source High Value Business Banking Accounts Thorough knowledge of Current Account/Trade Account opening/transaction processes Strong Communication skills with assertive attitude Knowledge of Trade, Forex and Business Assets Strong follow up ability & keenness Ability to spot opportunities in the portfolio for Upselling/Xselling bank products

JOB ROLE Develops new and expands existing High Net worth Customer relationships for liabilities and commercial assets . Ensures high levels of customer service orientation and application of bank policy. Cross sells existing bank products to customers. Informs customers of new products or product enhancements to further expand the banking relationship. Plans and conducts special sales initiatives and events for prospective and existing clients. Coordinates with other group companies to provide seamless access to other products. Maintains complete relationship record for assigned customer accounts. Tracks customer complaints/queries and turnaround times for customer satisfaction JOB REQUIREMENT 4 to 5 years work experience Developing and maintaining banking relationships with a select group of high net worth customers through individualized customer service. Very good understanding of Trade and Forex. Very good understanding of Commercial Assets like CC, OD, TL, Export Finance etc Understanding of MF and Insurance an added advantage Customer orientation, High energy and drive. Go getter attitude. Self motivated with a passion to achieve.

To understand clients business & provide appropriate working capital solutions 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 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 Excellent written and oral communication skills Preferably MBA/ CA Experience2-3 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

About The Role Credit Manager-Working Capital-Credit Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

About The Role Credit Manager-Working Capital-Credit Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

Job Role To drive a team of Business and/or Portfolio RMs at Area level To manage a team who can drive New Client Acquisition and/or manage, maintain and enhance assigned portfolio of existing customers To understand client"s business & provide appropriate working capital and business loan solutions across fund/ non-fund based products like Cash Credit, Demand Loan, BG etc. up to limit of Rs. 100 lacs Drive team for new acquisition through Branch Banking and/or Customer referrals To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus to continually increase the Book size, SOH and profitability of the Location To inculcate in team members understanding of client business models, trade related activities, cash flows etc. and drive identification of opportunities and growing client relationships. Grooming and mentoring team members so that they achieve their desired performance levels (RM productivity) Resolving/Addressing location level concerns Channel Management viz RL, Privy, Wealth etc Drive adoption of various digital initiatives at location level To ensure right sourcing is being done at the location Deepen our market reach through trade meeting, industry associations, local forums etc. Enhance X-sell opportunities such as KLI, KGI, CMS etc Strengthen and build sustainable trade book with healthy mix of importers and exporters at location level 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 Drive high caliber client service from the Team Manage TAT for the location within specified levels for all aspects such as client onboarding, processing of customer requests, renewals etc Improve efficiency by monitoring & overseeing continuous improvement of processes. Benchmark and adopt best practices used in the Industry to further build efficiency at the location Constantly share rapport with the operating units to customize and develop solutions Mitigate risks and manage them actively Ensure hygiene parameters such delinquency, churn, utilization etc are met at location Job Requirement Preferably MBA/ CA Experience7-8 years" experience in the local market. Background in Credit & Sales Knowledge is required. Prior experience of driving and managing Teams is required. Good Leadership, Self-motivation and communication skills for driving Teams Relationship Management Skill

To understand clients business & provide appropriate working capital solutions 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 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 (vizother 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 Excellent written and oral communication skills Preferably MBA/ CA Experience2-3 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

About The Role About The Role To understand clients business & provide appropriate working capital solutions 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 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 REQUIREMENT Excellent written and oral communication skills Preferably MBA/ CA Experience2-3 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

To understand clients business & provide appropriate working capital solutions 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 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 Excellent written and oral communication skills Preferably MBA/ CA Experience2-3 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

Elite Relationship Manager Department WCG Elite Location Delhi Reporting Relationship Will report to TBM/ABM/RBM Position Grade M3/M4/M5 Job Role To understand clients business & provide appropriate working capital solutions across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. To managed the mapped portfolio through regular meetings with the clients, to serve them, and to enhance the wallet share Build a sustainable direct sourcing channel by working closely with DSAs, CAs, associations etc. for new customer acquisition. 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 To ensure correct sourcing of clients is done and maintain high standard of hygiene parameters including managing risk/delinquency etc. Job Requirement Excellent written and oral communication skills Preferably MBA/ CA Experience2-3 years" experience in the local market preferably some background in Sales & Credit 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 OD, CC, BG, LC, Imp/Exp limits etc.

Area Business Manager Small Business Job Role To drive a team of Business and/or Portfolio RMs at Area level To manage a team who can drive New Client Acquisition and/or manage, maintain and enhance assigned portfolio of existing customers To understand client"s business & provide appropriate working capital and business loan solutions across fund/ non-fund based products like Cash Credit, Demand Loan, BG etc. up to limit of Rs. 100 lacs Drive team for new acquisition through Branch Banking and/or Customer referrals To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus to continually increase the Book size, SOH and profitability of the Location To inculcate in team members understanding of client business models, trade related activities, cash flows etc. and drive identification of opportunities and growing client relationships. Grooming and mentoring team members so that they achieve their desired performance levels (RM productivity) Resolving/Addressing location level concerns Channel Management viz RL, Privy, Wealth etc Drive adoption of various digital initiatives at location level To ensure right sourcing is being done at the location Deepen our market reach through trade meeting, industry associations, local forums etc. Enhance X-sell opportunities such as KLI, KGI, CMS etc Strengthen and build sustainable trade book with healthy mix of importers and exporters at location level 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 Drive high caliber client service from the Team Manage TAT for the location within specified levels for all aspects such as client onboarding, processing of customer requests, renewals etc Improve efficiency by monitoring & overseeing continuous improvement of processes. Benchmark and adopt best practices used in the Industry to further build efficiency at the location Constantly share rapport with the operating units to customize and develop solutions Mitigate risks and manage them actively Ensure hygiene parameters such delinquency, churn, utilization etc are met at location Job Requirement Preferably MBA/ CA Experience7-8 years" experience in the local market. Background in Credit & Sales Knowledge is required. Prior experience of driving and managing Teams is required. Good Leadership, Self-motivation and communication skills for driving Teams Relationship Management Skill Good influencing skills

To understand clients business & provide appropriate working capital solutions 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 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 Excellent written and oral communication skills Preferably MBA/ CA Experience2-3 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

Roles & Responsibilities: Responsible for acquiring new customers for business banking with a detailed understanding of credit assessment. Knowledge on liability, Forex, trade and client relationships, delinquency management, relationship management, and an analytical mindset. Managing the portfolio effectively through continuous monitoring of accounts and renewals, enhancement, retention and ensuring portfolio hygiene with minimal open deferral and covenants. Develop a superior working relationship with branch banking for cross-leveraging & synergy optimization and work within the overall bank ecosystem with other stakeholders. Evaluate the growth strategy based on competitor analysis and feedback from different channels and customers. Recommend process changes in order to improve service efficiency and quality across the branch network. Demonstrated ability in sales planning and conceptualizing promotions and marketing initiatives. Understanding of financial statements, credit Assessment and title-security documents

A Business Banking Relationship Manager is a professional who manages relationships with business clients, providing financial advice, and ensuring the success of the business banking portfolio . They act as a primary advisor, building and maintaining strong relationships with both new and existing clients to help them achieve their financial goals. Working Capital products Sales Profile

Job Requirements:- Profile -RO -HL & LAP (Open Market sales) Experience Min 1 years into HL or LAP Education Qualification - 12th and above Salary - Max 3.75- 4.25 LPA (basis on last drawn and interview) Location - Prayagraj/ Allahabad , Varanasi

You will be responsible for ensuring the sourcing and deployment of long-term and short-term fund requirements for the group. This includes assisting the GM in preparing proposals, ensuring timely submission and detailed credit due diligence, as well as credit negotiations. Additionally, you will support the GM in the management of working capital and working capital enhancement, as well as ensuring suitable funding for CAPEX for the Group. You will assist the GM in tracking and monitoring borrowing in the market on a periodical basis to ensure cost efficiency. This will involve using various financial instruments to mobilize capital from diversified sources, ensuring liquidity and cost efficiency. Furthermore, you will support the GM in domestic credit rating exercises and competitor analysis. Your role will also involve preparing marketing materials for investors such as QIP/FIIs/Mutual funds/Anchor Investors. This will include analyzing and synthesizing financial and operating information. Job Type: Full-time Benefits: - Cell phone reimbursement - Health insurance - Provident Fund Schedule: - Day shift - Yearly bonus Application Question(s): - Must have experience in Banking, Working Capital, Credit Functioning, CMA Data Preparation, Fund Raising, Project Finance - CA or MBA Preferred Work Location: In person,

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2 plus 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 Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to kashish.tambe@kotak.com

Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights

About The Role Relationship Manager-Loan Against Property Location Mumbai Reporting Relationships Location Manager The "Loan Against Property (LAP)" Business vertical is the part of "Secured Assets" division of the Consumer Bank.This vertical specializes in acquiring retail customers for funding against Residential, Commercial & Industrial Properties. We also provide loans for purchase of Commercial Properties and funding with Lease Rental Discounting. The target customer segment is small & medium traders, manufacturers & service provides and self-employed professionals. We have recently started funding Salaried customers also. The vertical has Pan India presence with coverage in most of the major towns of the country. The Sales team comprises Relationship Managers (RMs) who are responsible for acquiring LAP customers from various channels i.e. Direct Marketing Agents, Direct Sales Teams, Branch Banking & Other Group Businesses etc. Job Role: Manage sales for Loan against Property business from cross channel and open market Manage sales and distribution through the cross channel and open market channels Ensure unilateral growth by adding new Branches Manage and grow the Direct Sales team and focus on increased Productivity Marketing and encashing catchment areas Meeting HNI clients and explaining various products related to Loan against property/HF/ Working capital. Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets Responsible for Project approvals of Builders Ensure additional revenue generation through cross sell & Multi selling of Insurance, CASA , Credit Cards etc. Training & Development of the DST Team and DSAs Liasoning with Internal teams for business like Credit, Legal, Technical, RCU & Operations Responsible for end to end processing of the case and updating the status of the same to the customers. Ensuring Top Class service for Customers for better NPS Scores Experience in SECURED LOAN SALES is Must Job Requirements : Qualification - Graduate MBA Skills & Experience Minimum 2 years work experience in Home LoanMortgage Sales with DMA/DST/Bank Branches Customer relationship management skills Sales and service orientation