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

📌 Core Information

🔹 Job Title: Regional 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 & Finance

🔹 Date Posted: June 18, 2025

🔹 Experience Level: Mid-Senior level (5-10 years)

🔹 Remote Status: On-site

🚀 Job Overview

Key aspects of this role include:

• Leading a team to acquire new customers in the Agri SME space while managing P&L
• Building a strong customer base and driving product penetration through effective service and engagement
• Collaborating with internal bank channels and developing open market sourcing
• Monitoring team performance and ensuring portfolio hygiene
• Driving efficiency by monitoring and suggesting improvements in processes

ASSUMPTION: This role requires a strong understanding of trade and working capital products, as well as the ability to recruit quality team members and develop networks in various business segments.

📋 Key Responsibilities

✅ Lead a team of Area Business Managers and Relationship Managers to spearhead acquisition of NTB customers in the Agri SME space in the assigned geography, responsible for P&L

✅ Have a strong hold on Trade/Fx and working capital products

✅ Focus on building granularity, enhancing coverage, and driving risk-calibrated operating profit

✅ Acceptable knowledge of respective geography and ability to quickly recruit quality team members

✅ Build a strong customer base, increase product penetration, and provide high standards of service on an ongoing basis

✅ Drive penetration of cross-sell liability and other third-party products on newly onboarded customers

✅ Collaborate with internal bank channels and develop open market sourcing through DMA’s, CA’s, and financial consultants

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

✅ Continuously monitor and review accounts to ensure business is as per budgets

✅ Drive portfolio hygiene, ensuring no delinquencies, deferrals, closures on time, and security creation

✅ Monitor team performance and positively inspire to achieve results

ASSUMPTION: The role may require occasional travel to meet clients and attend industry events.

🎯 Required Qualifications

Education: Bachelor's degree in Finance, Economics, or a related field. MBA or relevant postgraduate degree would be an asset.

Experience: 5-10 years of experience in banking, with a strong focus on customer acquisition and relationship management in the Agri SME space.

Required Skills:

• Proven track record in customer acquisition and relationship management
• Strong knowledge of trade, FX, and working capital products
• Excellent leadership, team-building, and motivational skills
• Strong networking and business development skills
• Excellent communication, interpersonal, and presentation skills
• Strong analytical and problem-solving skills
• Ability to work in a fast-paced, dynamic environment

Preferred Skills:

• Experience in process improvement and project management
• Fluency in regional languages (e.g., Tamil, Telugu)
• Knowledge of agricultural lending and risk management

ASSUMPTION: Candidates with experience in the banking industry and a strong understanding of the Agri SME sector will be preferred.

💰 Compensation & Benefits

Salary Range: INR 15-20 LPA (Based on industry standards for mid-senior level banking roles in Chennai)

Benefits:

• Medical and dental insurance
• Retirement benefits
• Employee stock options
• Performance-based bonuses
• On-site cafeteria and gymnasium

Working Hours: Full-time (40 hours/week), with flexibility for occasional overtime and weekend work as needed

ASSUMPTION: The salary range provided is an estimate based on industry standards and 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, including commercial banking, stock broking, mutual funds, life insurance, and investment banking.

Company Size: Kotak Mahindra Bank has over 10,000 employees globally, providing a large and diverse work environment.

Founded: Kotak Mahindra Bank was founded in 1985 and received a banking license in 2003, becoming the first non-banking finance company in India to become a bank.

Company Description:

• Kotak Mahindra Bank is committed to providing high-quality financial services to its customers
• The bank has a strong focus on innovation and technology, offering digital banking solutions and mobile applications
• Kotak Mahindra Bank is known for its customer-centric approach and commitment to excellence

Company Specialties:

• Commercial Banking
• Retail Banking
• Investment Banking
• Asset Management
• Life Insurance

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

ASSUMPTION: Kotak Mahindra Bank's large size and diverse range of services provide ample opportunities for career growth and development.

📊 Role Analysis

Career Level: Mid-Senior level (5-10 years of experience)

Reporting Structure: This role reports directly to the Head of Marketing Branches Operations and may have supervisory responsibilities for Area Business Managers and Relationship Managers.

Work Arrangement: This is an on-site role with the possibility of occasional remote work for specific tasks or meetings.

Growth Opportunities:

• Progression to senior management or leadership roles within the bank
• Expansion of responsibilities to include additional regions or product lines
• Opportunities to gain experience in different aspects of banking and finance

ASSUMPTION: Successful candidates will have the opportunity to grow within the organization and take on increased responsibilities over time.

🌍 Location & Work Environment

Office Type: Modern, well-equipped offices with on-site amenities such as a cafeteria and gymnasium

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

Geographic Context:

• Chennai is the capital city of Tamil Nadu and is known for its rich cultural heritage and historical sites
• The city has a tropical climate with high temperatures and humidity throughout the year
• Chennai is well-connected by air, rail, and road, with an extensive public transportation system

Work Schedule: Full-time (40 hours/week), with flexibility for occasional overtime and weekend work as needed

ASSUMPTION: Chennai's vibrant culture and well-developed infrastructure provide a stimulating work environment for professionals.

💼 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:

• Customer acquisition and relationship management skills
• Product knowledge and understanding of the Agri SME sector
• Leadership and team-building skills
• Problem-solving and analytical skills
• Communication and interpersonal skills

Application Tips:

• Tailor your resume to highlight relevant experience and skills for this role
• Prepare examples of your customer acquisition and relationship management successes
• Research Kotak Mahindra Bank and the Agri SME sector to demonstrate your knowledge and enthusiasm
• Prepare questions to ask the interviewer about the role, team, and company

ATS Keywords: Customer Acquisition, Relationship Management, Agri SME, Trade Products, Working Capital, P&L, Team Leadership, Process Improvement, Portfolio Management

ASSUMPTION: Kotak Mahindra Bank's application process is designed to assess candidates' skills and cultural fit for the role and the organization.

🛠️ Tools & Technologies

• Banking software and systems (e.g., core banking, loan origination, CRM)
• Microsoft Office Suite (Word, Excel, PowerPoint)
• Data analysis and visualization tools (e.g., Tableau, Power BI)
• Project management tools (e.g., Asana, Trello)

ASSUMPTION: Candidates should have a strong working knowledge of banking software and systems, as well as proficiency in Microsoft Office Suite.

👔 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
• Innovative and solutions-oriented

Self-Assessment Questions:

• Do you have a proven track record of customer acquisition and relationship management in the banking industry?
• Are you comfortable working in a fast-paced, dynamic environment?
• Do you have strong leadership, team-building, and motivational skills?
• Are you committed to providing high-quality financial services to customers?

ASSUMPTION: Successful candidates will demonstrate a strong fit with Kotak Mahindra Bank's values and work style.

⚠️ Potential Challenges

• Managing a team with varying levels of experience and skill sets
• Balancing customer acquisition targets with risk management and portfolio hygiene
• Adapting to changes in the banking industry and regulatory environment
• Occasional travel and weekend work as needed

ASSUMPTION: Candidates should be prepared to face these challenges and have strategies in place to overcome them.

📈 Similar Roles Comparison

• This role is similar to other regional business manager positions in the banking industry, but with a specific focus on the Agri SME sector
• Compared to other banking roles, this position requires a strong understanding of trade and working capital products
• Career progression in this role may lead to senior management or leadership positions within the bank

ASSUMPTION: Candidates should research similar roles in the banking industry to better understand the requirements and expectations of the position.

📝 Sample Projects

• Developing and implementing a customer acquisition strategy for the Agri SME sector in the assigned geography
• Building and managing a high-performing team of Area Business Managers and Relationship Managers
• Driving process improvements to enhance efficiency and reduce costs

ASSUMPTION: These sample projects are intended to illustrate the types of tasks and responsibilities associated with 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 for the Agri SME sector?
• What are the most significant challenges facing the team currently, and how can this role address them?
• How does Kotak Mahindra Bank support the professional development and growth of its employees?
• What is the expected timeline for performance reviews and career progression?

ASSUMPTION: These questions are designed to help candidates better understand the role, team, and company, as well as assess their fit for the position.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through this link
• Tailor your resume to highlight relevant experience and skills for this role
• Prepare examples of your customer acquisition and relationship management successes
• Research Kotak Mahindra Bank and the Agri SME sector to demonstrate your knowledge and enthusiasm
• Prepare questions to ask the interviewer about the role, team, and company, and follow up after the interview

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