Acquisition Relationship Manager-SME-Sales

📌 Core Information

🔹 Job Title: Acquisition Relationship Manager-SME-Sales

🔹 Company: Kotak Mahindra Bank

🔹 Location: Hyderabad, Telangana, India

🔹 Job Type: Full time

🔹 Category: Banking & Finance

🔹 Date Posted: April 9, 2025

🔹 Experience Level: 2-10 years

🔹 Remote Status: On-site

🚀 Job Overview

Key aspects of this role include:

• Acquiring new customers in the SME segment for Kotak Mahindra Bank
• Offering a wide range of banking solutions, including asset-based funding, transaction banking, trade finance, and treasury services
• Collaborating with internal teams for seamless customer onboarding and ensuring compliance with bank audits and statutory requirements
• Managing existing portfolio, generating fees, and enhancing NTB business
• Cross-selling franchise and KLI/KGI products

ASSUMPTION: This role involves a high level of customer interaction and requires strong relationship management and communication skills. It also demands a solid understanding of various SME banking products and the ability to appraise financials.

📋 Key Responsibilities

✅ Acquire New to Bank (NTB) customers in the SME segment by offering suitable banking solutions

✅ Collaborate with internal channels and open market sourcing for lead origination

✅ Understand customer business models, appraise financials, and identify suitable opportunities

✅ Engage with credit and risk functions, legal and technical teams, CAD, and GTS teams for customer onboarding

✅ Ensure closure of deferrals and compliance with bank audits and statutory requirements

✅ Ensure a pleasant onboarding experience for NTB customers and smooth transition to the portfolio team

✅ Manage existing portfolio, generate trade/CMS/Fx fees, and enhance NTB business

✅ Lead generation through open market and credit appraisal

✅ Cross-sell franchise and KLI/KGI products

ASSUMPTION: The role requires a balance between sales and relationship management, with a focus on customer acquisition, onboarding, and portfolio management.

🎯 Required Qualifications

Education: Chartered Accountant or MBA

Experience: 2-10 years of relevant experience in SME banking

Required Skills:

• Knowledge of various SME banking products
• Analytical and financial skills
• Ability to influence and manage relationships
• Strong communication (written and oral) and attention to detail

Preferred Skills:

• Experience in credit appraisal
• Knowledge of cross-selling and portfolio management

ASSUMPTION: Given the role's focus on SME banking, candidates with relevant educational backgrounds and experience in this field are likely to be more successful.

💰 Compensation & Benefits

Salary Range: INR 12-20 lakhs per annum (estimated based on industry standards for the role, experience level, and location)

Benefits:

• Medical and dental insurance
• Retirement benefits
• Employee stock options
• Performance-based bonuses

Working Hours: Full-time position with standard banking hours (9:00 AM to 6:00 PM, Monday to Friday)

ASSUMPTION: The salary range is an estimate based on industry standards for the role, experience level, and location. Actual compensation may vary based on individual qualifications and performance.

📌 Applicant Insights

🔍 Company Context

Industry: Kotak Mahindra Bank is one of India's leading banks, offering a wide range of financial services that encompass every sphere of life, including banking, capital markets, stock broking, mutual funds, life insurance, and investment banking.

Company Size: Kotak Mahindra Group has over 10,000 employees and a consolidated balance sheet of over INR 1 lakh crore.

Founded: The Kotak Mahindra Group was established in 1985, and Kotak Mahindra Bank received a banking license in 2003.

Company Description:

• Kotak Mahindra Bank offers a wide range of financial services, catering 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
• Kotak Mahindra Group is committed to delivering exceptional customer service and driving innovation in the financial services industry

Company Specialties:

• Banking
• Capital Markets
• Stock Broking
• Mutual Funds
• Life Insurance
• Investment Banking

Company Website: http://www.kotak.com

ASSUMPTION: Kotak Mahindra Bank is a well-established financial institution with a strong presence in India and internationally. This role offers an opportunity to work in a dynamic and growing industry with a reputable employer.

📊 Role Analysis

Career Level: Mid-level management role with potential for growth and career progression within the SME banking division

Reporting Structure: The Acquisition Relationship Manager reports directly to the SME Business Head and works closely with various internal teams, including credit and risk functions, legal and technical teams, CAD, and GTS teams

Work Arrangement: Full-time, on-site position with the possibility of hybrid work arrangements for certain roles

Growth Opportunities:

• Progression to senior roles within the SME banking division or other divisions within Kotak Mahindra Bank
• Expanding skillset and expertise in SME banking and related fields
• Potential international assignments or opportunities

ASSUMPTION: This role offers a unique opportunity to gain experience in SME banking and develop a career within a large and diverse financial institution.

🌍 Location & Work Environment

Office Type: Modern, well-equipped banking offices with a collaborative work environment

Office Location(s): Hyderabad, Telangana, India

Geographic Context:

• Hyderabad is the capital of Telangana and the fourth most populous city in India
• The city is known for its historical sites, cultural attractions, and IT industry
• Hyderabad offers a mix of traditional and modern amenities, with a moderate cost of living compared to other major Indian cities

Work Schedule: Standard banking hours (9:00 AM to 6:00 PM, Monday to Friday) with the possibility of flexible work arrangements for certain roles

ASSUMPTION: Hyderabad offers a vibrant and dynamic work environment, with a mix of traditional and modern amenities that cater to diverse preferences.

💼 Interview & Application Insights

Typical Process:

• Online application submission
• Phone or video screening
• Face-to-face interview with the hiring manager and relevant team members
• Final decision and offer

Key Assessment Areas:

• Understanding of SME banking products and services
• Analytical and problem-solving skills
• Communication and interpersonal skills
• Customer relationship management

Application Tips:

• Highlight relevant experience and achievements in SME banking
• Tailor your resume and cover letter to emphasize skills and experiences that match the job requirements
• Prepare for behavioral and situational interview questions that focus on customer acquisition, onboarding, and portfolio management

ATS Keywords: SME banking, customer acquisition, onboarding, portfolio management, relationship management, cross-selling, credit appraisal, lead generation

ASSUMPTION: Kotak Mahindra Bank uses Applicant Tracking Systems (ATS) to screen resumes, so including relevant keywords in your application materials can improve your chances of being selected for an interview.

🛠️ Tools & Technologies

• Banking software and systems
• Customer Relationship Management (CRM) software
• Data analysis and reporting tools
• Microsoft Office Suite

ASSUMPTION: The specific tools and technologies used in this role may vary depending on the department and team within Kotak Mahindra Bank.

👔 Cultural Fit Considerations

Company Values:

• Customer-centricity
• Integrity
• Excellence
• Responsibility
• Diversity and inclusion

Work Style:

• Collaborative and team-oriented
• Results-driven and performance-focused
• Adaptable and open to change
• Customer-focused and committed to exceptional service

Self-Assessment Questions:

• Do you have a strong customer focus and a passion for delivering exceptional service?
• Are you comfortable working in a dynamic and fast-paced environment?
• Do you have strong communication and interpersonal skills?
• Are you adaptable and open to change?

ASSUMPTION: Kotak Mahindra Bank values employees who are customer-focused, results-driven, and committed to delivering exceptional service. Candidates who align with these values and work styles are more likely to succeed in the organization.

⚠️ Potential Challenges

• Managing a high volume of customer acquisitions and onboarding processes
• Balancing sales targets and customer relationship management
• Keeping up with regulatory changes and compliance requirements
• Adapting to a dynamic and fast-paced work environment

ASSUMPTION: These challenges are common in SME banking roles and require strong organizational skills, adaptability, and a customer-focused mindset.

📈 Similar Roles Comparison

• Compared to other SME banking roles, this position has a stronger focus on customer acquisition and onboarding
• Industry-specific context: The Indian SME banking sector is competitive and fast-growing, with a strong emphasis on digital transformation and innovation
• Career path comparison: This role offers a clear path for career progression within the SME banking division or other divisions within Kotak Mahindra Bank

ASSUMPTION: This role offers a unique opportunity to gain experience in SME banking and develop a career within a large and diverse financial institution.

📝 Sample Projects

• Developing and implementing a targeted customer acquisition campaign for a specific SME segment
• Streamlining the customer onboarding process to improve efficiency and customer satisfaction
• Analyzing customer data to identify trends and opportunities for cross-selling and upselling

ASSUMPTION: These sample projects are designed to showcase the key responsibilities and required skills for the Acquisition Relationship Manager role in SME banking.

❓ Key Questions to Ask During Interview

• What are the key priorities for this role in the first 30, 60, and 90 days?
• How does this role fit into the overall SME banking division and Kotak Mahindra Bank's growth strategy?
• What are the most challenging aspects of this role, and how can I best prepare for them?
• What opportunities are there for professional development and growth within the SME banking division or other divisions within Kotak Mahindra Bank?
• How does Kotak Mahindra Bank support work-life balance for its employees?

ASSUMPTION: These interview questions are designed to provide insight into the role's priorities, challenges, and growth opportunities, as well as Kotak Mahindra Bank's culture and support for employee development.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through the Kotak Mahindra Bank careers portal
• Tailor your resume and cover letter to highlight relevant experience and skills for this role
• Prepare for behavioral and situational interview questions that focus on customer acquisition, onboarding, and portfolio management
• Follow up with the hiring manager or HR representative within 7-10 days after submitting your application, if you have not heard back

⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.