Business Relationship Manager - SBE_Small Business Enterprise_0412_1478_1087172
Hcbt Open Mumbai Full-time Manager Account Management
At a glance
Manager-level Account Management role at Hcbt. Mumbai · full-time.
Pay not stated Account Management salary
RoleAccount Management
SeniorityManager
LocationMumbai
EmploymentFull-time
PostedNov 6, 2026
Role brief
growthroles summary, based on the employer's posting.
What you'll do
- Assess client businesses and cash flows to match them with working-capital loans and fund or non-fund products
- Bring in customers through branch banking, then cross-sell accounts, deposits, transaction banking and trade finance
- Build trust with CFOs and promoters while growing the assigned portfolio’s size and profitability
- Track competing banks, maintain client service and work with operating teams on tailored solutions
- Recruit direct sales team members and help them meet targets through branch banking
What you bring
- You have one to three years of local-market experience, preferably involving credit and sales
- You can explain loan amounts, rates and fees well enough to win customer support for lending
- Strong communication, relationship-building and influencing skills are required
- An MBA or CA is preferred, not required
Who this fits
This is an individual-contributor manager role focused on client relationships, lending sales and portfolio growth. You’ll also recruit and support direct sales staff. The listing identifies Bangalore as the role location.
From the employer
Business Relationship Manager - SBE
Department Small Business Enterprise (SBE) Location Bangalore Reporting Relationship IC Position Grade M1/M2
Job Role
- To understand clients business & provide appropriate working capital and business loan solutions.
- Deal across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc.
- Work closely with Branch Banking teams for new customer addition.
- To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies.
- To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.
- Focus on continually increasing book size and profitability of the assigned portfolio.
- To understand client business model, trade related activities, cash flows etc. and identify opportunities and grow client relationships.
- To be alert on competitive elements in the target segments (viz. other banks etc.) & augment the presence and penetration of the Kotak brand in the target market
- Maintain high caliber client service.
- Improve efficiency by monitoring & overseeing continuous improvement of processes
- Share rapport with other operating units to customize and develop solutions
- Recruiting DST’s, assisting them in achieving their targets and driving them towards company goals with Branch Banking as the main channel.
Job Requirement
- Preferably MBA/ CA
- Experience: 1-3 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees.
- Strong oral and written Communication
- Relationship Management Skill
- Good influencing skills
- Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL, OD, CC.
- Excellent written and oral communication skills
Understand client businesses and provide appropriate working capital solutions across fund/non-fund based products. Collaborate with branch banking teams for new customer acquisition. Cross-sell products such as Current Accounts, Term Deposits, Transaction Banking, and Trade Finance to primary and group companies. Build and maintain relationships with key client stakeholders (CFOs, promoters). Increase book size and profitability of the assigned portfolio. Analyze client business models, trade activities, and cash flows to identify growth opportunities. Monitor competitive landscape and enhance Kotak’s brand presence in target segments. Ensure high-quality client service and timely resolution of queries. Drive process improvements and coordinate with operating units to develop customized solutions.
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