Business Relationship Manager - WC_Working Capital-Sales_Chennai

Posted 13 Days Ago
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Chennai, Tamil Nadu, IND
In-Office
Entry level
Fintech • Payments • Financial Services
The Role
Manage and grow an existing working capital client portfolio through renewals, credit-limit enhancements, relationship development, and cross-selling. Assess client business models and cash flows, monitor utilization and compliance, minimize delinquencies, manage early-warning accounts, and resolve issues with internal teams. Conduct client visits, secure documentation, generate leads, onboard customers, and grow CASA accounts and float income.
Summary Generated by Built In
We are looking for a proactive and client-focused Relationship Manager to manage and grow an existing portfolio of Working Capital (WC) clients. The role involves deep engagement with clients to understand their business models, structure appropriate WC solutions, and ensure timely renewals and enhancements of credit limits. The ideal candidate will be responsible for maintaining strong relationships with promoters and key decision-makers, ensuring compliance with internal processes, and driving cross-sell opportunities. The role also includes monitoring utilization patterns, ensuring timely submission of documentation, and coordinating with internal departments to resolve client issues efficiently. ResponsibilitiesManage and service an existing portfolio of WC clients, including renewal and enhancement of limits. Build strong relationships with promoters to foster trust and long-term engagement. Understand client business models, cash flows, and structure WC solutions accordingly. Drive portfolio growth through limit enhancements and meet defined business targets. Ensure timely renewal of limits and closure of all pending PDDs. Track and follow up with clients for submission of stock statements, insurance, and audit compliance. Conduct regular client visits to assess business health and maintain engagement. Monitor utilization patterns monthly and flag unusual transactions. Minimize delinquencies and manage exit of clients flagged under Early Warning Signals (EWS). Provide timely advice and updates to clients on relevant banking products and developments. Liaise with internal teams (credit, ops, trade desk, branch) to resolve client issues within defined TAT. Drive cross-sell of WC limits and increase product penetration in the assigned portfolio. Generate leads from existing clients and onboard new customers through relationship expansion. Maintain CASA book and generate float income by opening group accounts.
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The Company
HQ: Mumbai
74,097 Employees
Year Founded: 1985

What We Do

About Kotak Mahindra Group: Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited. The consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012. The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at http://www.kotak.com

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