Kotak Mahindra Bank/ RM

8 hours ago

Chennai, Tamil Nadu, India Acura Solution Full time ₹ 15,00,000 - ₹ 75,00,000 per year


Job Description:
Role Objective

To acquire, manage and grow mid-corporate client relationships (typically ₹100–₹750 Cr turnover segment) by delivering credit solutions, liability products, and transaction banking services while ensuring portfolio quality and compliance.

Key Responsibilities
Client Acquisition & Relationship Management

  • Identify & onboard mid-corporate clients in Chennai region

  • Build multi-level relationships with promoters, CFOs, and treasury heads

  • Manage end-to-end client onboarding, documentation & compliance

  • Drive customer satisfaction and wallet share growth

Credit & Risk Management

  • Assess borrowing requirements & structure credit proposals (Working Capital / TL / NFB)

  • Financial statement analysis: ratios, cash flows, capital structure, industry benchmarking

  • Prepare Credit Appraisal Memos for internal approvals

  • Monitor portfolio health – reviews, renewals, early warning signals

Business Growth & Revenue Generation

  • Deliver AOP targets for:

    • Asset Book Growth (WC, CC, OD, BG, LC, TL, LAP, etc.)

    • Liabilities Mobilization (CA / SA / Term Deposits)

    • Transaction Banking (CMS, FX, Trade Finance)

  • Cross-sell treasury, cash mgmt., corporate salary, digital solutions

Compliance & Governance

  • Maintain strict adherence to KYC/AML, RBI norms & internal risk policies

  • Ensure clean portfolio — manage overdue positions & CMA breaches

Required Skills & Competencies

Skill Category
Required Expertise

Financial Analysis
Balance sheet/PL/CF analysis, banking ratios

Credit Structuring
WC, BG/LC, TL, external ratings

Sales & Negotiation
Corporate decision-making engagement

Regulatory Knowledge
RBI guidelines, FEMA, Trade Finance

Collaboration
Work with product, legal, ops, credit & treasury teams

Qualifications

  • MBA / PGDM in Finance / CA preferred

  • 4–10+ years experience in Corporate / Mid-corporate Banking

  • Strong Chennai corporate market understanding & network

Key Performance Indicators (KPIs)

  • Asset book size & yield improvement

  • Fee income from trade & CMS

  • CASA growth and NTB acquisitions

  • Portfolio risk score & compliance metrics

  • Client retention & cross-sell ratio

Typical Product Exposure

  • Fund-based: WC, OD, TL, LAP, LC-backed limits

  • Non-fund based: BG, LC

  • FX & Derivatives (as per internal approval matrix)

  • CMS, POS, Digital collections & Vendor Financing

Stakeholder Management

  • Internal: Credit, Risk, Legal, Ops, Trade Finance, Treasury

  • External: Auditors, Credit Rating Agencies, Consultants


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