📌 Core Information
🔹 Job Title: Relationship Manager - Construction Equipment (CE) - Marketing Branches Operations
🔹 Company: Kotak Mahindra Bank
🔹 Location: Mumbai, Maharashtra, India
🔹 Job Type: Full time
🔹 Category: Banking
🔹 Date Posted: July 19, 2025
🔹 Experience Level: 5-10 years
🔹 Remote Status: On-site
🚀 Job Overview
Key aspects of this role include:
- Sourcing new to bank (NTB) clients
- Managing relationships with mid and large corporates, particularly in the infrastructure sector
- Dealing with various financial products related to project funding and credit limits
ASSUMPTION: This role requires a strong background in relationship management and a deep understanding of various financial products to effectively source new clients and manage relationships with existing ones.
📋 Key Responsibilities
✅ Sourcing new clients (new to bank - NTB) through networking and targeted outreach
✅ Managing relationships with mid and large corporates, particularly in the infrastructure sector
✅ Dealing with various financial products, including:
- Cash credit/overdraft limits
- Project funding for EPC projects
- Term loan/foreign currency term loan for working capital and equipment/plant and machinery purchases
- Bank guarantee limits
- Buyers credit limits
- Trade products (LC limits for import and domestic purchases)
- Bill discounting limits (both LC backed and BOE backed)
ASSUMPTION: The role involves a mix of business development, relationship management, and financial product knowledge to effectively serve clients and grow the bank's portfolio.
🎯 Required Qualifications
Education: Bachelor's degree in Finance, Economics, or a related field. MBA or relevant postgraduate degree would be an asset.
Experience: Proven experience of 5-10 years in a similar role, with a strong track record in client acquisition and relationship management in the banking sector.
Required Skills:
- Proven experience in relationship management and client sourcing
- Strong knowledge of various financial products, including cash credit, project funding, term loans, and trade products
- Excellent communication and interpersonal skills
- Strong networking skills and the ability to build and maintain relationships
- Proficient in MS Office Suite and other relevant software
Preferred Skills:
- Experience in the infrastructure sector
- Bilingual or multilingual skills
- Certifications in relevant financial fields (e.g., CFA, FRM)
ASSUMPTION: Candidates with relevant experience in relationship management, a strong understanding of financial products, and a proven track record in client acquisition will be well-suited for this role.
💰 Compensation & Benefits
Salary Range: INR 15-20 lakhs per annum (AI estimate based on experience level and industry standards)
Benefits:
- Competitive benefits package
- Performance-based incentives
- Opportunities for professional development and growth
Working Hours: Full-time position with standard banking hours (Monday to Friday, 9:30 AM to 6:00 PM, with a 1.5-hour lunch break)
ASSUMPTION: The salary range is an estimate based on industry standards for similar roles. The actual salary may vary depending on the candidate's experience and negotiation skills.
📌 Applicant Insights
🔍 Company Context
Industry: Kotak Mahindra Bank operates in the banking industry, offering a wide range of financial services that encompass every sphere of life.
Company Size: Kotak Mahindra Group has over 10,000 employees, providing a large and diverse work environment.
Founded: Kotak Mahindra Group was established in 1985, with Kotak Mahindra Bank receiving a banking license in 2003.
Company Description:
- Kotak Mahindra Group is one of India's leading financial services conglomerates
- Offers a wide range of financial services, including banking, capital markets, stock broking, mutual funds, life insurance, and investment banking
- 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 India and internationally. This role offers the opportunity to work in a large, diverse organization with a wide range of financial services.
📊 Role Analysis
Career Level: Mid-level to senior-level position, depending on the candidate's experience and qualifications
Reporting Structure: The Relationship Manager reports directly to the Branch Manager or Regional Head
Work Arrangement: On-site, full-time position with standard banking hours
Growth Opportunities:
- Progression to senior roles within the relationship management team
- Expansion into other areas of banking or financial services
- International assignments or roles
ASSUMPTION: This role offers opportunities for career growth and development within the organization, depending on the candidate's performance and the organization's needs.
🌍 Location & Work Environment
Office Type: Corporate office environment in a high-rise building
Office Location(s): 36-38A, Nariman Bhavan, 227 Nariman Point, Mumbai, Maharashtra 400021, IN
Geographic Context:
- Mumbai is the capital city of Maharashtra and the financial hub of India
- The office is located in the Nariman Point area, a major business district in South Mumbai
- Mumbai offers a vibrant, multicultural environment with numerous amenities and opportunities for personal and professional growth
Work Schedule: Standard banking hours (Monday to Friday, 9:30 AM to 6:00 PM, with a 1.5-hour lunch break)
ASSUMPTION: The work environment is fast-paced and dynamic, with a focus on client service and business development. The geographic context offers numerous opportunities for networking and professional growth.
💼 Interview & Application Insights
Typical Process:
- Online application submission
- Phone or video screening
- Face-to-face interview with the hiring manager and/or other team members
- Background check and reference verification
- Job offer
Key Assessment Areas:
- Relationship management skills
- Financial product knowledge
- Communication and interpersonal skills
- Problem-solving and analytical skills
- Cultural fit and alignment with company values
Application Tips:
- Tailor your resume to highlight relevant experience and skills for this role
- Prepare for behavioral interview questions that focus on your relationship management and client acquisition experiences
- Research Kotak Mahindra Bank and the banking industry to demonstrate your knowledge and enthusiasm for the role
ATS Keywords: Relationship Management, Client Sourcing, Cash Credit, Overdraft Limits, Project Funding, Term Loan, Trade Products, LC Limits, Bill Discounting Limits, EPC Projects, Working Capital, Equipment Purchases, Plant and Machinery Purchases
ASSUMPTION: The application process may vary depending on the specific needs of the hiring manager or the human resources department. It is essential to research the company and the role thoroughly to prepare a strong application and perform well in interviews.
🛠️ Tools & Technologies
- MS Office Suite (Word, Excel, PowerPoint)
- Customer Relationship Management (CRM) software (e.g., Salesforce, Zoho CRM)
- Financial analysis and reporting tools (e.g., Bloomberg, Reuters)
- Project management tools (e.g., Asana, Trello)
ASSUMPTION: The tools and technologies required for this role may vary depending on the specific needs of the team and the organization. Familiarity with relevant software and a willingness to learn new tools are essential.
👔 Cultural Fit Considerations
Company Values:
- Customer-centricity
- Integrity
- Respect
- Excellence
- Accountability
Work Style:
- Collaborative and team-oriented
- Results-driven and focused on achieving targets
- Adaptable and open to change
- Strong communication and interpersonal skills
Self-Assessment Questions:
- Do you have a proven track record in relationship management and client acquisition?
- Are you comfortable working in a fast-paced, dynamic environment?
- Do you possess strong communication and interpersonal skills?
- Are you committed to providing excellent customer service?
ASSUMPTION: Kotak Mahindra Bank values a customer-centric, collaborative, and results-driven work environment. Candidates who align with these values and possess the required skills and experience will be well-suited for this role.
⚠️ Potential Challenges
- Managing a diverse portfolio of clients with varying needs and expectations
- Keeping up with changes in financial products and regulations
- Meeting and exceeding performance targets
- Balancing business development and relationship management responsibilities
- Adapting to a fast-paced, dynamic work environment
ASSUMPTION: This role presents unique challenges that require strong relationship management skills, adaptability, and a commitment to continuous learning and improvement.
📈 Similar Roles Comparison
- This role is similar to other relationship management positions in the banking sector, with a focus on client acquisition and relationship management
- However, the specific financial products and industry focus may vary depending on the organization and the role
- Career progression may involve moving into senior relationship management roles, team leadership positions, or other areas of banking and financial services
ASSUMPTION: While this role shares similarities with other relationship management positions, the specific requirements and context may vary depending on the organization and the industry.
📝 Sample Projects
- Developing and implementing a targeted client acquisition strategy for the infrastructure sector
- Managing relationships with key clients, including regular check-ins, needs assessments, and solution provision
- Collaborating with other teams (e.g., product, risk, compliance) to ensure client needs are met and regulatory requirements are adhered to
ASSUMPTION: These sample projects provide a glimpse into the day-to-day responsibilities and priorities of the Relationship Manager role. The specific projects and initiatives may vary depending on the organization's needs and the candidate's skills and experience.
❓ 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 broader organizational structure and strategy?
- What are the most significant challenges facing the team and the organization currently?
- How does the company support the professional development and growth of its employees?
- What is the company's approach to work-life balance, and how is it supported in this role?
ASSUMPTION: These interview questions are designed to provide insight into the role, the team, and the organization, helping candidates make informed decisions about their application and potential fit for the role.
📌 Next Steps for Applicants
To apply for this position:
- Submit your application through the following link: https://hcbt.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX/job/203619
- Tailor your resume to highlight your relevant experience and skills for this role
- Prepare for behavioral interview questions that focus on your relationship management and client acquisition experiences
- Research Kotak Mahindra Bank and the banking industry to demonstrate your knowledge and enthusiasm for the role
- Follow up with the hiring manager or human resources department one week after submitting your application to confirm receipt and express your interest in the role
⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.
