Kotak Bank/ Corporate Conglomerate Group- RM/ Mumbai

Job Description:

Job Title:

Relationship Manager / Senior Relationship Manager – Corporate Conglomerate Group (CCG)

Department:

Wholesale Banking / Corporate Banking / Large Corporate Coverage

Role Overview:

The Corporate Conglomerate Group (CCG) manages relationships with large business houses, diversified conglomerates, and promoter-driven groups with multi-sector operations. The role focuses on end-to-end relationship management, credit origination, risk management, and cross-selling across group entities.

Key Responsibilities:

Relationship Management

• Act as the single point of contact for assigned conglomerate groups and their subsidiaries.

• Build and deepen relationships with promoters, CXOs, CFOs, and treasury teams.

• Drive group-level wallet share by offering integrated banking solutions.

Credit & Lending

• Originate and structure large-ticket credit proposals including:

  • Fund-based and non-fund-based limits

  • Term loans, working capital, project finance

  • Structured finance and syndicated loans

• Coordinate credit appraisal, financial analysis, and risk assessment.

• Ensure compliance with internal credit policies and regulatory guidelines.

Transaction Banking & Fee Income

• Drive CASA, cash management, trade finance, and forex business.

• Cross-sell:

  • Transaction banking solutions

  • Supply chain finance

  • Treasury and derivatives products

  • Investment banking / capital market products (where applicable)

Group Coverage & Coordination

• Manage exposure across multiple group entities.

• Coordinate with product teams, credit, legal, operations, and risk.

• Monitor group-level exposure, limits, and covenant compliance.

Portfolio & Risk Management

• Regularly review financial performance and industry trends.

• Track early warning signals and manage credit quality of the portfolio.

• Support restructuring, renewal, and enhancement of facilities.

Compliance & Governance

• Ensure adherence to KYC, AML, and regulatory requirements.

• Maintain accurate documentation and reporting.

Key Skills & Competencies:

• Strong understanding of corporate credit, balance sheet analysis, and risk management

• Knowledge of multiple industries and conglomerate structures

• Ability to handle large exposures and complex group relationships

• Strong negotiation, stakeholder management, and communication skills

• Commercial acumen with a relationship-driven approach