📌 Core Information
🔹 Job Title: Acquisition Relationship Manager-SME-Sales
🔹 Company: Kotak Mahindra Bank
🔹 Location: Delhi, India
🔹 Job Type: Full time
🔹 Category: Banking & Finance
🔹 Date Posted: April 9, 2025
🔹 Experience Level: 2-5 years
🔹 Remote Status: On-site
🚀 Job Overview
Key aspects of this role include:
- Acquiring new customers in the SME segment for Kotak Mahindra Bank's SME business
- Offering a range of banking solutions, including asset-based and non-asset-based funding, transaction banking, trade finance, and treasury services
- Collaborating with internal teams and external partners for lead origination and customer onboarding
- Ensuring compliance with bank audits and statutory requirements
- Providing a seamless and pleasant onboarding experience for new-to-bank (NTB) customers
ASSUMPTION: This role requires a balance of sales, relationship management, and credit analysis skills. Successful candidates will have a strong understanding of SME banking products and the ability to build and maintain effective relationships with customers and internal stakeholders.
📋 Key Responsibilities
✅ Acquire new customers in the SME segment by understanding their business model, appraising financials, and identifying suitable opportunities
✅ Collaborate with internal teams, such as credit and risk functions, legal and technical teams, cash management, and global transaction services (GTS) teams, for seamless 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
ASSUMPTION: The role involves a mix of sales, relationship management, and credit analysis. Successful candidates will be comfortable with both customer-facing and internal stakeholder management tasks.
🎯 Required Qualifications
Education: Chartered Accountant or MBA
Experience: 2-10 years of relevant experience in SME banking or a related field
Required Skills:
- Strong analytical and financial skills
- Ability to influence and manage relationships
- Strong communication (written and oral) and attention to detail
Preferred Skills:
- Knowledge of various SME banking products
- Experience in credit appraisal and risk assessment
ASSUMPTION: Candidates with a strong background in SME banking, relevant experience, and a proven track record in sales and relationship management will be well-suited for this role.
💰 Compensation & Benefits
Salary Range: INR 8-15 lakhs per annum (estimated based on industry standards for the role, experience level, and location)
Benefits:
- Medical insurance
- Retirement benefits
- Employee stock options
- Performance-based incentives
Working Hours: Full-time, Monday to Friday, with occasional weekend work as required
ASSUMPTION: The salary range is an estimate based on industry standards for similar roles in the banking sector in India. Actual compensation may vary based on the candidate's experience and qualifications.
📌 Applicant Insights
🔍 Company Context
Industry: Banking & Finance
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, including banking, capital markets, stock broking, mutual funds, life insurance, and investment banking
- The bank has a strong presence in India and internationally, with offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius, and Singapore
- Kotak Mahindra Group has a consolidated balance sheet of over INR 1 lakh crore and a consolidated net worth of INR 13,943 crore (approx. US$ 2.6 billion) as of September 30, 2012
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 large, well-established financial institution with a diverse range of products and services. Successful candidates will have the opportunity to work in a dynamic and challenging environment with significant growth potential.
📊 Role Analysis
Career Level: Managerial/Senior Managerial level, with potential for growth to Chief Manager level
Reporting Structure: The role reports to the SME Business Head and works closely with various internal teams, such as credit and risk functions, legal and technical teams, cash management, and global transaction services (GTS) teams
Work Arrangement: On-site, full-time, with occasional weekend work as required
Growth Opportunities:
- Progression to senior management or leadership roles within the SME business or related functions
- Expansion of responsibilities to cover additional products or geographies
- Development of expertise in SME banking and related areas
ASSUMPTION: This role offers significant growth opportunities for candidates with strong performance and a desire to advance their careers within the banking sector.
🌍 Location & Work Environment
Office Type: Corporate office environment
Office Location(s): Delhi, India
Geographic Context:
- Delhi is the capital city of India and a major commercial hub, with a thriving financial sector
- The city offers a mix of traditional and modern infrastructure, with a well-developed public transportation system
- Delhi has a humid subtropical climate, with hot summers and cool winters
Work Schedule: Monday to Friday, with occasional weekend work as required
ASSUMPTION: The work environment is fast-paced and dynamic, with a strong focus on performance and results. Successful candidates will be comfortable working in a competitive and challenging environment.
💼 Interview & Application Insights
Typical Process:
- Online application and resume screening
- Telephonic or video interview with the HR team
- Technical or case study interview with the hiring manager
- Final round interview with the SME Business Head
Key Assessment Areas:
- Sales and relationship management skills
- Credit analysis and risk assessment skills
- Understanding of SME banking products and services
- Problem-solving and decision-making abilities
Application Tips:
- Highlight relevant experience and achievements in SME banking or related fields
- Demonstrate a strong understanding of Kotak Mahindra Bank's products and services
- Prepare for case study or scenario-based interviews to showcase your problem-solving skills
ATS Keywords: SME, banking, sales, relationship management, credit analysis, risk assessment, Kotak Mahindra Bank
ASSUMPTION: The application process is competitive, and candidates should be prepared to demonstrate their skills and experience in a variety of interview formats.
🛠️ Tools & Technologies
- Customer relationship management (CRM) software
- Financial analysis and reporting tools
- Microsoft Office Suite (Word, Excel, PowerPoint)
- Project management tools (e.g., Asana, Trello)
ASSUMPTION: The role requires proficiency in using relevant software tools and technologies to manage customer relationships, analyze financial data, and create reports.
👔 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
- Dynamic and fast-paced
- Collaborative and team-based
- Focused on continuous learning and development
Self-Assessment Questions:
- How do you demonstrate customer-centricity in your work?
- Can you provide an example of a time when you had to collaborate with multiple teams to achieve a common goal?
- How do you approach continuous learning and development in your current role?
ASSUMPTION: Kotak Mahindra Bank values a strong work ethic, collaboration, and a customer-focused approach. Successful candidates will be able to demonstrate these values and work styles in their application and interviews.
⚠️ Potential Challenges
- Managing a high volume of customer inquiries and requests
- Balancing sales targets with customer service and relationship management
- Keeping up with changes in regulations and industry trends
- Adapting to a dynamic and competitive work environment
ASSUMPTION: The role presents unique challenges that require strong sales, relationship management, and adaptability skills. Successful candidates will be able to navigate these challenges and thrive in a competitive environment.
📈 Similar Roles Comparison
- This role is similar to other acquisition or business development roles in the banking sector, with a focus on SME customers
- However, this role is unique in its focus on Kotak Mahindra Bank's SME business and the specific products and services offered
- Career progression in this role may lead to senior management or leadership positions within the SME business or related functions
ASSUMPTION: While this role shares similarities with other acquisition or business development roles in the banking sector, it is unique in its focus on Kotak Mahindra Bank's SME business and the specific products and services offered.
📝 Sample Projects
- Developing and implementing a targeted marketing campaign to acquire new SME customers in a specific industry vertical
- Conducting a comprehensive analysis of the SME banking market to identify trends and opportunities
- Creating and delivering a presentation to internal stakeholders on the benefits of a new SME banking product or service
ASSUMPTION: These sample projects are designed to showcase the key responsibilities and required skills for the acquisition relationship manager role in Kotak Mahindra Bank's SME business.
❓ Key Questions to Ask During Interview
- What are the key priorities for this role in the first 90 days?
- How does this role contribute to the overall growth and success of Kotak Mahindra Bank's SME business?
- What opportunities are there for professional development and growth within the SME business or related functions?
- How does Kotak Mahindra Bank support work-life balance for its employees?
- What are the most challenging aspects of this role, and how can I best prepare for them?
ASSUMPTION: These interview questions are designed to provide insight into the role's priorities, growth opportunities, and work-life balance, as well as the challenges and expectations for the successful candidate.
📌 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 your relevant experience and skills for this role
- Prepare for interviews by researching Kotak Mahindra Bank's products, services, and industry trends
- Follow up with the HR team after submitting your application to confirm receipt and inquire about the next steps in the interview process
⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.
