Business Relationship Manager WC - Alternate Channel_Working Capital_0412_0282_1048017
Hcbt Open Chandigarh Full-time Manager Account Management
At a glance
Manager-level Account Management role at Hcbt. Chandigarh · full-time.
Pay not stated Account Management salary
RoleAccount Management
SeniorityManager
LocationChandigarh
EmploymentFull-time
PostedNov 3, 2026
Role brief
growthroles summary, based on the employer's posting.
What you'll do
- Assess clients’ businesses and match their working capital needs with fund-based or non-fund-based products
- Work with branch banking teams to bring in customers and expand product use across client groups
- Build trust with CFOs and promoters while growing the assigned portfolio’s size and profitability
- Study client trade activity and cash flows to spot relationship opportunities and respond to competing banks
- Coordinate with operating teams to tailor solutions and improve service processes
What you bring
- You have two to three years of experience in the local market, preferably in credit or sales
- An MBA or CA is preferred, alongside the ability to win customer agreement on loan amounts, rates and fees
- You can sell business loans, overdrafts and cash-credit products, and bring strong communication and relationship skills
Who this fits
This is an individual-contributor role at the manager grade, focused on working-capital sales and portfolio growth. It suits someone with local-market experience who can build senior client relationships and influence lending decisions. The role is based in Chandigarh.
From the employer
Business Relationship Manager – WC
Department Working Capital (WC) Location Reporting Relationship IC Position Grade M3/M4
Job Role
- To understand clients business & provide appropriate working capital solutions 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
Job Requirement
- Preferably MBA/ CA
- Experience: 2-3 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
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