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: Chennai, 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.
• Building and maintaining strong customer relationships to increase both assets and liabilities.
• Collaborating with internal teams to meet customer requirements and improve operational efficiency.
• Deepening customer relationships through cross-selling liability and other third-party products.
• Monitoring accounts to ensure portfolio hygiene and timely closure of post-disbursement deferrals.

ASSUMPTION: This role requires a strong understanding of the local market and the ability to quickly recruit quality team members.

📋 Key Responsibilities

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

✅ Offer loan products in line with customer requirements, including working capital (fund-based/non-fund-based) and term loan facilities.

✅ Build a strong and robust customer base to increase both assets and liabilities.

✅ Deepen relationships with existing customers through cross-selling liability and other third-party products.

✅ Regularly monitor accounts to ensure there are no delinquencies, portfolio hygiene, and timely closure of post-disbursement deferrals.

✅ Engage with credit and risk functions, legal and technical teams, RCAD, and GR teams for customer requirements.

✅ 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 may require occasional travel to meet with customers and attend team meetings.

🎯 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 (advantageous).
• Portfolio management experience.
• Team management experience.
• Customer service skills.
• Credit risk management skills.

Preferred Skills:

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

ASSUMPTION: Candidates with relevant industry experience and a proven track record in portfolio management will be preferred.

💰 Compensation & Benefits

Salary Range: INR 15-20 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 bonuses.

Working Hours: 40 hours per week, with flexible working hours based on business needs.

ASSUMPTION: The salary range is estimated based on industry standards and may vary depending on the candidate's experience and qualifications.

📌 Applicant Insights

🔍 Company Context

Industry: Banking

Company Size: 10,001+ employees

Founded: 1985

Company Description:

• Kotak Mahindra Bank is one of India's leading banks, offering a wide range of financial services.
• The Group offers services such as commercial banking, stock broking, mutual funds, life insurance, and investment banking.
• Kotak Mahindra Group has a wide distribution network through branches and franchisees across India and international offices in various countries.

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 the Indian market.

📊 Role Analysis

Career Level: Mid-level management

Reporting Structure: Reports to the Head of Agri Business Group (ABG) - Marketing Branches Operations

Work Arrangement: On-site, with occasional travel required

Growth Opportunities:

• Progression to senior management roles within the Agri Business Group or other business groups.
• Expansion of responsibilities based on performance and business needs.
• Cross-functional exposure and learning opportunities.

ASSUMPTION: This role offers opportunities for career growth and development within the organization.

🌍 Location & Work Environment

Office Type: Corporate office environment

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

Geographic Context:

• Chennai is the capital city of Tamil Nadu, located in southern India.
• The city is known for its cultural heritage, historical landmarks, and beaches.
• Chennai has a tropical savanna climate, with hot and humid weather throughout the year.

Work Schedule: Monday to Friday, with flexible working hours based on business needs

ASSUMPTION: Chennai offers a vibrant and culturally rich environment for professionals to live and work.

💼 Interview & Application Insights

Typical Process:

• Online application submission.
• Phone or video screening.
• Face-to-face interview with the hiring manager and team members.
• Background check and offer extension.

Key Assessment Areas:

• Problem-solving skills.
• Communication and interpersonal skills.
• Leadership and team management skills.
• Industry knowledge and market awareness.

Application Tips:

• Tailor your resume to highlight relevant experience and skills for this role.
• Prepare for behavioral and situational interview questions that focus on your leadership, team management, and problem-solving skills.
• Research Kotak Mahindra Bank and the Agri Business Group to demonstrate your interest and understanding of the organization.

ATS Keywords: Acquisitions, Portfolio Management, SME Funding, Team Management, Customer Service, Credit Risk Management, Local Market Knowledge

ASSUMPTION: The application process may vary depending on the hiring manager and the current hiring needs of the organization.

🛠️ Tools & Technologies

• Banking software and systems.
• Customer relationship management (CRM) software.
• Portfolio management tools.
• Microsoft Office Suite (Word, Excel, PowerPoint).

ASSUMPTION: The required tools and technologies may vary depending on the specific needs of the role and the organization.

👔 Cultural Fit Considerations

Company Values:

• Customer-centricity.
• Integrity.
• Excellence.
• Respect.
• Accountability.

Work Style:

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

Self-Assessment Questions:

• Do you have a proven track record of managing and growing customer portfolios in the SME space?
• Are you comfortable working in a fast-paced, dynamic environment and adapting to change?
• Do you possess strong leadership, team management, and communication skills?

ASSUMPTION: Kotak Mahindra Bank values diversity and inclusion, and encourages candidates from all backgrounds to apply.

⚠️ Potential Challenges

• Managing a team with varying levels of experience and skill sets.
• Balancing the demands of growing the customer portfolio while maintaining portfolio hygiene.
• Adapting to changes in market conditions and regulatory requirements.
• Occasional travel requirements to meet with customers and attend team meetings.

ASSUMPTION: These challenges can be overcome with strong leadership, effective communication, and a customer-centric approach.

📈 Similar Roles Comparison

• This role is similar to other area business manager positions in the banking industry, with a focus on customer acquisition and portfolio management.
• However, this role is unique in its focus on the Agri, Food processing, and MSME Industries and the requirement to manage a team of acquisitions managers.
• Career progression in this role may lead to senior management positions within the Agri Business Group or other business groups within Kotak Mahindra Bank.

ASSUMPTION: This role offers unique opportunities for career growth and development within the organization.

📝 Sample Projects

• Developing and implementing a customer acquisition strategy for the Agri SME space.
• Conducting market research to identify new opportunities for customer growth and expansion.
• Monitoring and analyzing portfolio performance to ensure portfolio hygiene and timely closure of post-disbursement deferrals.

ASSUMPTION: These sample projects are indicative of the types of tasks and responsibilities that may be required in this role.

❓ Key Questions to Ask During Interview

• What are the key priorities for this role in the first 90 days?
• How does this role fit into the overall strategy of the Agri Business Group and Kotak Mahindra Bank?
• What are the most significant challenges facing the team and the business group currently?
• How does the organization support the professional development and growth of its employees?
• What is the expected timeline for performance reviews and career progression?

ASSUMPTION: These questions can help you better understand the role, the team, and the organization, and demonstrate your interest in the position.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through the application link.
• Tailor your resume to highlight your relevant experience and skills for this role.
• Prepare for the interview by researching Kotak Mahindra Bank, the Agri Business Group, and the specific requirements of this role.
• Follow up with the hiring manager within one week of submitting your application to express your interest in the position.

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