Kotak Mahindra Bank /Sr RM-Large Corporate/ Delhi

Job Description:

Job Summary:

The Senior Relationship Manager (SR RM) – Large Corporate is responsible for managing and growing relationships with large corporate clients by offering tailored financial solutions, with a primary focus on working capital financing, trade finance, and treasury solutions. The SR RM plays a key role in driving revenue, mitigating risk, and ensuring compliance while delivering exceptional client service.

Key Responsibilities:

1. Client Relationship Management

• Develop and maintain strong relationships with large corporate clients to understand their business needs and financial requirements.
• Act as the primary point of contact for clients, offering customized banking solutions.
• Cross-sell a wide range of banking products, including working capital financing, cash management, treasury, and trade finance solutions.
• Drive client acquisition by identifying new business opportunities and onboarding high-value corporate clients.

2. Working Capital & Credit Solutions

• Structure and deliver working capital solutions such as overdraft (OD), cash credit (CC), bill discounting, invoice financing, and supply chain financing.
• Conduct credit analysis, due diligence, and financial statement assessment to ensure sound lending decisions.
• Prepare credit proposals, risk assessments, and loan documentation for internal approvals.
• Monitor client accounts for early warning signs of credit risk and proactively mitigate potential issues.

3. Revenue & Business Growth

• Achieve assigned financial targets, including revenue, profitability, and asset book growth.
• Develop strategies to increase wallet share and deepen client relationships.
• Collaborate with internal teams (trade finance, treasury, risk, and operations) to deliver seamless banking solutions.
• Negotiate deal structures, pricing, and terms to maximize returns for the bank while ensuring client satisfaction.

4. Risk & Compliance Management

• Ensure strict adherence to KYC, AML, and regulatory compliance guidelines.
• Regularly assess the financial health of corporate clients and track their repayment behavior.
• Work closely with risk and legal teams to structure credit facilities in a risk-mitigated manner.
• Manage non-performing assets (NPA) and take proactive steps to minimize bad loans.

5. Market & Industry Analysis

• Stay updated on market trends, industry developments, and economic factors affecting corporate clients.
• Conduct industry research to identify emerging risks and opportunities.
• Provide strategic insights to clients to help them optimize their financial and working capital requirements.

Key Skills & Competencies:

✔ Strong Relationship Management & Business Development
✔ In-depth Knowledge of Working Capital, Trade Finance & Corporate Banking
✔ Financial Analysis & Credit Risk Assessment
✔ Regulatory & Compliance Awareness
✔ Negotiation & Deal Structuring
✔ Excellent Communication & Stakeholder Management
✔ Strategic Thinking & Problem-Solving

Qualifications & Experience:

• Education: MBA (Finance), CFA, CA, or equivalent banking/finance qualifications.
• Experience: 7+ years in corporate banking, credit, or working capital finance with a proven track record in large corporate relationship management.
• Industry Exposure: Preferably from banking, financial services, or a corporate lending background.