Business Development, Relationship Manager
Kotak Mahindra Bank
Total years of experience :15 years, 11 Months
Senior Relationship Manager (Business Administration, Financial Appraisal, Customer correspondences & Report submission to senior management, Implementation of Policies, Inter departmental coordination, Relationship Management & Services, New Acquisition, Profit centre, ) of SME / Commercial / Emerging Corp Segment)
Strategy implementation & Maximizing Bank’s profitability by sourcing new business and by maintaining and deepening existing relationships for additional businesses.
Structuring banking facilities so as to meet the customer’s requirements through negotiations and minimize Bank’s credit risks. The products handled include Working Capital Facilities, Long Term Loans, and ECBs, Trade Related products like PCFC, Buyer’s Credit, and Corporate Services etc.
Preparing and submitting quality financial proposals and submitting for Credit Department’s and Senior management’s approval.
Maintaining turnaround time for evaluation and processing of the deals through inter departmental co- ordination.
Monitoring the performance of the account by ensuring the effective utilization of the sanctioned facilities, tracking of the covenants, ensuring the compliance of the special terms etc and periodic reporting to Senior Management.
Ensuring full compliance of the Bank’s policies, standards, Implementing guidelines and procedures, RBI guidelines, other guidelines laid down by Govt and regulatory authorities.
Adhering to Key deliverables with focus on revenue from the portfolio managed and Maintenance of registers.
To conduct periodic training and development of Branch Team members at various locations and organize local campaigns
Sourcing of New Customers, Financial Analysis, review, growing and deepening customer relationships through effective team management and maximizing bank’s profitability through additional business.
Structuring banking facilities so as to meet the customer’s requirements while minimizing Bank’s credit risks. The products handled include Working Capital Loans, Long Term Loans, Trade Related products like PCFC, Buyer’s Credit, Suppliers credit and corporate services etc.
Preparing and submitting quality financial proposals and submitting for Credit Department’s and Senior management’s approval
Verifying & Monitoring the performance and conduct of the account, End use of funds and ensuring the effective utilization of the sanctioned facilities, tracking of the covenants, ensuring the compliance of the special terms etc
Maintenance of stipulated registers
To ensure security documents submitted by clients are valid and are enforceable at all times
To conduct periodic training and development of Branch Team members at various locations.
Reporting to the Vice President & National Head - Business Banking
Manage a Portfolio related to SME and Mid Corporate clients generating revenue on current accounts & Loan Accounts, Trade and Foreign Exchange revenues, Cash Management Services
To cross sell financial products and services offered by the bank including Business lending, Forward contracts, Bank Guarantees, Bill discounting, Cash Management etc., to Portfolio clients as well as to New to Bank clients.
As a One point contact for the clients in meeting and fulfilling day to day banking requirements by ensuring top class service delivery by Customer Support Teams in the bank.
Prepare and analyze periodical reports of the assigned portfolios that are including Client Risk assessment, Due diligence and Transaction monitoring, Compliance to KYC.
Responsible for the new client sourcing and conducting Local area Market promotional activities, Negotiations and conducting group discussions and programmes in association with the External Business Associations, Charted Accountants, Trade consultants, Company Secretaries and Chamber of Commerce.
Team Handling / Supervision / Administrative function and to provide training on Bank Process & Compliance, to launch New products and Implement Bank’s policies and act as a lead.
Handling team of 10 Executives per branch ( Responsible for 3 Branches)
Responsible to achieve the branch targets by effectively managing the available resources.
To identify clients through proper market research segments including Retail, Business Banking, SME for various products basis financial analysis for Income / revenue generation for the Branch.
Responsible for staff management and business development.
Team Handling / Supervision / Administrative function and to provide support and guidance to one downs on Bank Process & Compliance, to launch New products and Implement Bank’s policies and act as a lead.
To identify clients through proper market research segments including Retail, Business Banking, SME segments for various products basis financial analysis for Income / revenue generation for the Branch.
Responsible to achieve the branch targets by effectively managing the available resources.
Responsible for business development and Branch target achievement.
In charge of Recruitment screening and Training
Handling and administering a Team of 20 + Executives in Tamil Nadu, India comprising a Larger Geography of multiple districts in the state.
Handling Corporate Salary & Trust relationships of large corporate and Institutions including companies like Wipro, HCL, MRF, Suzlon Energy, Unilever, Ford, Hyundai and others IT Companies)
Responsible for implementation Strategies and Policies of the bank and to organize various campaigns and negotiate pricing with the corporate.
Responsible for Training and development of Executives & Compliance
Coordination with the Branch Banking and other operational Team on Various Customer Service Issues and due diligences.
Annamalai university is considered to be one of the top universities in India Subjects Covered are: • Principles of Management • Marketing Management • Financial Management • Production and Materials Management • Human Resource Management • Business Mathematics and Statistics • Managerial Communication • Financial and Management Accounting • Management of Financial Services • International Finance • Financial Analysis and Industrial Financing • Management of Funds and Assets • Investment, Security and Portfolio Management • Strategic Management • E-Business • Business Research Methods
FIRST CLASS - Bachelor Degree in Chemistry – Madras University – CKNC College – Chennai. 80.5 % in HSC – Sir.Mct.Muthaiah Chettiar Higher Sec School, Chennai. 84.8 % in SSLC - Sir.Mct.Muthaiah Chettiar Higher Sec School, Chennai.
