Kotak Mahindra Bank/ RM - Mid corporate / Chennai

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

1️⃣ 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

2️⃣ 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

3️⃣ 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

4️⃣ Compliance & Governance

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

• Ensure clean portfolio — manage overdue positions & CMA breaches

🧠 Required Skills & Competencies

🎓 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