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 and non-asset-based funding, transaction banking, trade finance, and treasury services
• Collaborating with internal teams and open market sourcing for lead origination
• Ensuring a seamless customer onboarding experience and smooth transition to the portfolio team

ASSUMPTION: This role involves significant client-facing responsibilities and requires a strong understanding of various SME banking products and services.

📋 Key Responsibilities

✅ Acquire new customers in the SME segment by offering banking solutions and products

✅ 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 seamless customer onboarding

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

✅ Ensure a pleasant onboarding experience for new-to-bank customers and smooth transition to the portfolio team

ASSUMPTION: The role requires strong analytical and communication skills, as well as the ability to influence and manage relationships effectively.

🎯 Required Qualifications

Education: Chartered Accountant or MBA

Experience: 2-10 years of relevant experience in SME banking or a related field

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 and lead generation
• Knowledge of cross-selling techniques

ASSUMPTION: Candidates with experience in SME lending, credit analysis, or sales roles may find this position particularly appealing.

💰 Compensation & Benefits

Salary Range: INR 12-18 lakhs per annum (estimated based on industry standards for the role and experience level)

Benefits:

• Competitive benefits package, including health insurance and retirement plans
• Opportunities for professional growth and development
• Performance-based incentives

Working Hours: Full-time, Monday to Friday, with occasional weekend work as required

ASSUMPTION: The salary range provided is an estimate based on industry standards for the role, experience level, and location. Actual compensation may vary based on the candidate's qualifications and the company's internal policies.

📌 Applicant Insights

🔍 Company Context

Industry: Banking and Financial Services

Company Size: 10,001+ employees (large enterprise)

Founded: 1985

Company Description:

• Kotak Mahindra Bank is one of India's leading banks, offering a wide range of financial services that encompass every sphere of life
• The bank is known for its innovative products, robust technology platform, and strong customer focus
• Kotak Mahindra Group has a presence in over 1,000 locations across India and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius, and Singapore

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 reputation in the industry. Working here offers opportunities to gain experience in a diverse range of financial services and products.

📊 Role Analysis

Career Level: Mid-level management (Manager/Senior Manager/Chief Manager)

Reporting Structure: The role reports directly to the SME Business Head and works closely with various internal teams, such as credit and risk functions, legal and technical teams, CAD, and GTS teams

Work Arrangement: On-site, full-time position with occasional weekend work as required

Growth Opportunities:

• Progression to senior roles within the SME business or other divisions of Kotak Mahindra Bank
• Expansion of responsibilities and team leadership opportunities
• Cross-functional projects and assignments to gain exposure to different aspects of the business

ASSUMPTION: This role offers significant growth potential for the right candidate, with opportunities to advance their career within the organization.

🌍 Location & Work Environment

Office Type: Corporate office environment

Office Location(s): Hyderabad, Telangana, India

Geographic Context:

• Hyderabad is the capital city of Telangana, located in southern India
• The city is known for its historical sites, cultural attractions, and thriving IT industry
• Hyderabad offers a mix of traditional and modern amenities, with a moderate climate year-round

Work Schedule: Monday to Friday, 9:00 AM to 6:00 PM, with a one-hour lunch break

ASSUMPTION: The work environment at Kotak Mahindra Bank is professional and dynamic, with a strong focus on customer service and innovation.

💼 Interview & Application Insights

Typical Process:

• Online application submission
• Phone or video screening
• Face-to-face interviews with hiring managers and team members
• Background and reference checks
• Job offer

Key Assessment Areas:

• Understanding of SME banking products and services
• Analytical and problem-solving skills
• Communication and interpersonal skills
• Cultural fit and alignment with Kotak Mahindra Bank's values

Application Tips:

• Tailor your resume to highlight relevant experience and skills for this role
• Prepare examples of your experience in acquiring new customers, managing relationships, and driving sales growth
• Demonstrate your understanding of the SME banking landscape and Kotak Mahindra Bank's offerings

ATS Keywords: SME, Acquisition, Relationship Manager, Sales, Banking Products, Customer Onboarding, Lead Generation, Credit Appraisal, Cross-Selling

ASSUMPTION: The application process at Kotak Mahindra Bank is competitive, and candidates should be prepared to demonstrate their skills and experience throughout the interview process.

🛠️ Tools & Technologies

• Banking software and systems (e.g., core banking, CRM, loan origination)
• Microsoft Office Suite (Word, Excel, PowerPoint)
• Data analysis and visualization tools (e.g., Excel, Power BI)
• Communication and collaboration platforms (e.g., email, instant messaging, video conferencing)

ASSUMPTION: The tools and technologies required for this role are standard for the banking industry and can be learned on the job if necessary.

👔 Cultural Fit Considerations

Company Values:

• Customer-centricity
• Integrity and ethical conduct
• Excellence and continuous improvement
• Collaboration and teamwork
• Respect and inclusivity

Work Style:

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

Self-Assessment Questions:

• Do you have a proven track record of acquiring new customers and driving sales growth in the SME segment?
• Are you comfortable working in a dynamic, fast-paced environment and managing multiple priorities?
• Do you thrive in a collaborative, team-based work environment and enjoy working with diverse stakeholders?

ASSUMPTION: Candidates who align with Kotak Mahindra Bank's values and work style are more likely to succeed in this role and contribute to the organization's success.

⚠️ Potential Challenges

• Managing a high volume of leads and maintaining a strong pipeline
• Balancing sales targets with customer service and relationship management
• Adapting to changes in the SME banking landscape and regulatory environment
• Competing with other banks and financial institutions for SME customers

ASSUMPTION: The role presents unique challenges that require a proactive, solutions-oriented approach and a strong commitment to customer service and excellence.

📈 Similar Roles Comparison

• Compared to other acquisition roles in the banking industry, this position focuses more on SME customers and offers a broader range of banking products and services
• Industry-specific context: The SME segment in India is diverse and dynamic, with unique opportunities and challenges
• Career path comparison: This role offers a clear path to advancement within the SME business or other divisions of Kotak Mahindra Bank

ASSUMPTION: Understanding the unique aspects of this role and the SME banking landscape in India is essential for success in this position.

📝 Sample Projects

• Developing and executing a targeted lead generation campaign for a specific SME vertical
• Analyzing customer data to identify trends and opportunities for cross-selling and upselling banking products and services
• Collaborating with internal teams to streamline the customer onboarding process and improve customer satisfaction

ASSUMPTION: These sample projects illustrate the range of responsibilities and opportunities available in this role, highlighting the importance of strong analytical, communication, and relationship management skills.

❓ Key Questions to Ask During Interview

• Can you describe the current pipeline of SME customers and the bank's strategy for growing this segment?
• How does the bank support the professional development and growth of its employees, particularly in the SME business?
• What are the key priorities for this role in the first 90 days, and how will my performance be measured?
• How does the bank approach collaboration and knowledge-sharing between different teams and divisions?
• What are the most significant challenges facing the SME business in the current market environment, and how can this role contribute to addressing them?

ASSUMPTION: Asking thoughtful, well-researched questions demonstrates your interest in the role and commitment to understanding the organization's priorities and culture.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through the Kotak Mahindra Bank careers portal
• Tailor your resume to highlight relevant experience and skills for this role, using the ATS keywords provided
• Prepare a cover letter that explains your interest in the role and how your background and skills make you a strong fit
• If applicable, prepare examples or case studies that demonstrate your experience in acquiring new customers, managing relationships, and driving sales growth
• Follow up with the hiring manager or HR representative two weeks after submitting your application to inquire about the status of your application

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