Area Business Manager-Acquisition-AGRI-FIN-PROJECTS (AF)-Marketing Branches Operations

📌 Core Information

🔹 Job Title: Area Business Manager - Acquisition - AGRI-FIN-PROJECTS (AF) - Marketing Branches Operations

🔹 Company: Kotak Mahindra Bank

🔹 Location: Salem, Tamil Nadu, India

🔹 Job Type: Full time

🔹 Category: Banking

🔹 Date Posted: June 18, 2025

🔹 Experience Level: 5-10 years

🔹 Remote Status: On-site

🚀 Job Overview

Key aspects of this role include:

• Managing a team of Acquisitions Managers to grow the customer portfolio in the Agri SME space.
• Engaging with various internal teams to meet customer requirements and improve operational efficiency.
• Offering loan products in line with customer requirements, including working capital and term loan facilities.
• Building a strong customer base and deepening relationships through cross-selling liability and other third-party products.
• Monitoring accounts to ensure portfolio hygiene, timely deferral closure, and security perfection.

ASSUMPTION: This role requires a strong understanding of the Agri SME space and the ability to quickly recruit and manage a high-performing team. The ideal candidate will have a proven track record in portfolio management and customer relationship building.

📋 Key Responsibilities

✅ Manage a team of Acquisitions Managers to grow the customer portfolio in the Agri SME space.

✅ Engage with various internal teams to meet customer requirements and improve operational efficiency.

✅ Offer loan products in line with customer requirements, including working capital and term loan facilities.

✅ Build a strong customer base and deepen relationships through cross-selling liability and other third-party products.

✅ Monitor accounts to ensure portfolio hygiene, timely deferral closure, and security perfection.

✅ Collaborate with internal bank channels to deepen the customer base.

✅ Improve efficiency by monitoring and suggesting improvements in processes based on ground reality and market trends.

ASSUMPTION: This role requires a high level of responsibility and autonomy. The successful candidate will be expected to manage their team effectively and make strategic decisions to drive business growth.

🎯 Required Qualifications

Education: CA / Post Graduate Diploma / Post Graduate in Banking and Finance / Commerce etc.

Experience: Minimum 5 years of SME funding and portfolio management work experience

Required Skills:

• Strong oral and written communication skills
• Relationship management skills
• Leadership skills
• Local market knowledge (preferred)
• Portfolio management skills
• Team management skills
• Customer service skills
• Credit risk management skills

Preferred Skills:

• Knowledge of respective geography
• Ability to quickly recruit quality team members

ASSUMPTION: Given the nature of the role, candidates with relevant experience in the Agri SME space and a strong educational background in finance or commerce are likely to be most successful.

💰 Compensation & Benefits

Salary Range: INR 15-20 lakhs per annum (Estimated based on industry standards for a mid-level management role in the banking sector in India)

Benefits:

• Medical insurance
• Retirement benefits
• Employee stock options
• Performance-based bonuses
• Professional development opportunities

Working Hours: 40 hours per week, with flexibility for overtime as needed

ASSUMPTION: The salary range provided is an estimate based on industry standards for similar roles in the banking sector in India. The actual salary offered may vary depending on the candidate's experience and qualifications.

📌 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. The banking industry in India is highly competitive and dynamic, with a strong focus on digital transformation and customer experience.

Company Size: Kotak Mahindra Bank has over 10,000 employees, making it a large organization with significant resources and opportunities for career growth. As a large company, Kotak Mahindra Bank offers a structured career path and extensive training and development opportunities.

Founded: Kotak Mahindra Bank was founded in 1985 and has since grown to become one of India's leading financial services conglomerates.

Company Description:

• Kotak Mahindra Bank offers a wide range of financial services, including commercial banking, stock broking, mutual funds, life insurance, and investment banking.
• The bank 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 Bank is known for its strong focus on customer service, innovation, and digital transformation.

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 and reputable financial institution with a strong brand and extensive market presence. The company's large size and diverse range of services offer numerous opportunities for career growth and development.

📊 Role Analysis

Career Level: This role is at the mid-level management level, with the potential for further growth and advancement within the organization.

Reporting Structure: The Area Business Manager reports directly to the Regional Business Head and oversees a team of Acquisitions Managers.

Work Arrangement: This role is on-site, with the expectation that the successful candidate will be based in Salem, Tamil Nadu, India. However, there may be opportunities for remote work or hybrid arrangements depending on the specific needs of the business.

Growth Opportunities:

• Progression to a senior management role within the Agri Business Group or another business line within the bank.
• Opportunities to lead and mentor junior team members, developing leadership and management skills.
• Potential to expand the scope of the role to include additional business lines or geographic regions.

ASSUMPTION: Given the nature of the role and the size of the organization, there are significant opportunities for career growth and development within Kotak Mahindra Bank.

🌍 Location & Work Environment

Office Type: Kotak Mahindra Bank has a modern and well-equipped office in Salem, Tamil Nadu, India, with state-of-the-art facilities and infrastructure.

Office Location(s): Salem, Tamil Nadu, India

Geographic Context:

• Salem is a major city in the Indian state of Tamil Nadu, located in the southern part of the country.
• The city is known for its textile industry and is an important commercial and educational hub in the region.
• Salem has a tropical savanna climate, with hot and humid summers and mild winters.

Work Schedule: The work schedule for this role is Monday to Friday, with the possibility of weekend work as needed to meet business demands.

ASSUMPTION: The work environment at Kotak Mahindra Bank is likely to be dynamic, fast-paced, and highly competitive, with a strong focus on customer service and innovation.

💼 Interview & Application Insights

Typical Process:

• Online application and resume screening
• Telephonic interview
• Face-to-face interview with the hiring manager and other stakeholders
• Background and reference checks
• Job offer

Key Assessment Areas:

• Problem-solving skills
• Communication and interpersonal skills
• Leadership and team management skills
• Industry knowledge and expertise
• Cultural fit and alignment with Kotak Mahindra Bank's values

Application Tips:

• Tailor your resume to highlight your relevant experience and skills for this role.
• Prepare for behavioral and situational interview questions that focus on your problem-solving, leadership, and team management skills.
• Research Kotak Mahindra Bank's company culture and values to demonstrate your cultural fit and alignment with the organization.

ATS Keywords: Area Business Manager, Agri SME, Portfolio Management, Customer Relationship, Team Management, Credit Risk, Banking, Financial Services

ASSUMPTION: The interview process for this role is likely to be competitive and rigorous, with a strong focus on assessing the candidate's technical skills, leadership potential, and cultural fit.

🛠️ Tools & Technologies

• Microsoft Office Suite (Word, Excel, PowerPoint)
• Customer Relationship Management (CRM) software
• Portfolio management software
• Credit risk assessment tools
• Project management software (e.g., Asana, Trello)

ASSUMPTION: The tools and technologies required for this role are likely to be standard for the banking industry and may include proprietary software specific to Kotak Mahindra Bank.

👔 Cultural Fit Considerations

Company Values:

• Customer-centricity
• Integrity and ethical conduct
• Excellence and continuous improvement
• Collaboration and teamwork
• Innovation and adaptability

Work Style:

• Dynamic and fast-paced
• Results-driven and performance-focused
• Collaborative and team-oriented
• Adaptable and open to change
• Customer-focused and service-oriented

Self-Assessment Questions:

• How do you demonstrate customer-centricity in your work?
• Can you provide an example of a time when you had to manage a team through a significant change or challenge?
• How do you stay up-to-date with industry trends and developments?

ASSUMPTION: Kotak Mahindra Bank places a strong emphasis on cultural fit and alignment with the organization's values. Candidates who can demonstrate a strong fit with the company's culture and values are likely to be more successful in the interview process.

⚠️ Potential Challenges

• The competitive and dynamic nature of the banking industry may present challenges in meeting business targets and maintaining market share.
• The role may require extensive travel to meet with clients and manage remote teams, which can be demanding and time-consuming.
• The successful candidate may face challenges in managing a diverse team with varying levels of experience and expertise.
• The role may require working with tight deadlines and managing multiple priorities, which can be stressful and demanding.

ASSUMPTION: The potential challenges associated with this role are likely to be typical for a mid-level management role in the banking industry and can be mitigated through effective planning, communication, and time management.

📈 Similar Roles Comparison

• This role is similar to other Area Business Manager roles in the banking industry, but may have a greater focus on the Agri SME space and portfolio management.
• The role may require a higher level of industry-specific knowledge and expertise than similar roles in other industries.
• This role may offer greater opportunities for career growth and development within the organization than similar roles in smaller or less established financial institutions.

ASSUMPTION: Given the nature of the role and the size of the organization, this role is likely to be competitive and sought-after within the banking industry.

📝 Sample Projects

• Developing and implementing a customer retention strategy for the Agri SME portfolio
• Conducting a market analysis to identify new opportunities for growth and expansion in the Agri SME space
• Leading a team to develop and launch a new loan product tailored to the needs of Agri SME customers

ASSUMPTION: The sample projects listed above are intended to provide an example of the types of projects that the successful candidate may be expected to lead and manage in this role.

❓ Key Questions to Ask During Interview

• Can you describe the typical career path for an Area Business Manager within the Agri Business Group?
• How does Kotak Mahindra Bank support the professional development and growth of its employees?
• What are the key priorities for this role in the first 90 days?
• How does Kotak Mahindra Bank measure the success of this role, and what are the key performance indicators (KPIs) for the position?
• What are the biggest challenges facing the Agri Business Group, and how can this role contribute to addressing them?

ASSUMPTION: The key questions listed above are intended to provide an example of the types of questions that the candidate may want to ask during the interview process to better understand the role, the organization, and the opportunities for growth and development.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through the Kotak Mahindra Bank careers portal
• Tailor your resume to highlight your relevant experience and skills for this role, including your experience in portfolio management, customer relationship building, and team management.
• Prepare for the interview by researching Kotak Mahindra Bank's company culture and values, and by practicing your responses to common interview questions.
• If selected for the final round, be prepared to present a detailed project plan or case study demonstrating your problem-solving, leadership, and team management skills.
• Follow up with the hiring manager after the interview to express your interest in the role and reiterate your qualifications and fit for the position.

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