1. Originate NTB prospects through direct sourcing and open market channels
2. Acquiring customers and taking their proposal up to the stage of disbursement.
3. Meeting existing customers to generate business opportunities thereby generating revenue
4. Catering to the business having a turnover of Rs 100 to 500 crs in Emerging Business, Rs 500 to 1000 crs in Mid Corporate and Rs 1000 crs & above in Large Corp  with different working capital facilities such as Overdraft, Cash credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc. as per the clients need.
6. Managing customer relationships; addressing both service & sales queries for customers with an objective to engage & retain customers.
7. Identifying new segments & set up new trade verticals for prospective business opportunities at different locations/regions new to the company.
8. Recommend & introduce new services with an objective to engage customers & generate fee income.
9 Acquisition of Emerging Corporate Profile customers 10 Cross sell other retail 

Post Graduate/ Graduate in any discipline

To acquire, develop & maintain client relationships as well as manage the direct sales team to meet and exceed expectations.

Post Graduate/ Graduate in any discipline.

• Responsible for P&L and Portfolio growth of the Business for the Region.
• Interest income – cost of fund (as of month of measurement)
• Fee income charged upfront and through syndication, down selling, cross sell and insurance
• Total Value of Outstanding Loans – Auto & Non-Auto
• Health of Portfolio – Provisioning for customer, overdue control, customer connect
• Customer Acquisition – Number of new customers added, Number of products per customer
• Customer Satisfaction Score
• Corporate tie-Ups – Book, NII, FEE in new corporate tie ups entered through Large, Mid & Govt. Business
• Documentation & Audit – PDD Outstanding %, TAT

– The role is for a Relationship Officer primarily in branch banking, focused on managing and nurturing client relationships.
– The position is based in Delhi, indicating a need for local market understanding and customer interaction.
– The job involves responsibilities typical to banking sector roles such as customer service, client engagement, and possibly sales of banking products.
– No explicit skills, experience, or educational qualifications are mentioned, but the role generally requires good interpersonal and communication skills.
– The candidate is expected to have experience given the nature of the role, although no specific years are stated.
– The job does not mention any shift timings, incentives, or perks explicitly.
– The role falls under the Banking / Insurance / Financial Services department, aligning with the branch banking context.

– Responsible for managing and growing customer relationships specifically in the digital banking segment.
– Focus on Kotak 811 digital banking product sales and customer engagement.
– Requires strong interpersonal and sales skills to effectively promote banking products.
– Senior level role indicating leadership or significant experience in relationship management.
– Based in New Delhi, working closely with customers to enhance digital banking adoption.
– Likely involves coordination with multiple teams to ensure customer satisfaction and sales targets.
– Emphasis on digital banking suggests familiarity with online banking platforms and customer service.
– Role demands proactive communication and problem-solving abilities to handle client queries and issues.
– Requires understanding of banking products, especially digital savings accounts and related services.
– Seniority implies mentoring or guiding junior staff may be part of the responsibilities.

1. Originate NTB prospects through direct sourcing and open market channels
2. Acquiring customers and taking their proposal up to the stage of disbursement.
3. Meeting existing customers to generate business opportunities thereby generating revenue
4. Catering to the business having a turnover of Rs 100 to 500 crs in Emerging Business, Rs 500 to 1000 crs in Mid Corporate and Rs 1000 crs & above in Large Corp  with different working capital facilities such as Overdraft, Cash credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc. as per the clients need.
6. Managing customer relationships; addressing both service & sales queries for customers with an objective to engage & retain customers.
7. Identifying new segments & set up new trade verticals for prospective business opportunities at different locations/regions new to the company.
8. Recommend & introduce new services with an objective to engage customers & generate fee income.
9 Acquisition of Emerging Corporate Profile customers 10 Cross sell other retail 

Post Graduate/ Graduate in any discipline

– Manage and develop relationships with salaried clients focusing on working capital and personal loans.
– Drive sales of working capital and salaried personal loan products to meet business targets.
– Collaborate with internal teams to ensure smooth processing and servicing of client portfolios.
– Understand client financial needs and provide tailored loan solutions.
– Maintain up-to-date knowledge of loan products and market trends to advise clients effectively.
– Ensure compliance with company policies and regulatory requirements in all client interactions.
– Focus on portfolio growth while managing risk and maintaining quality of loan book.
– Work closely with sales and credit teams to optimize client acquisition and retention strategies.

1. Originate NTB prospects through direct sourcing and open market channels
2. Acquiring customers and taking their proposal up to the stage of disbursement.
3. Meeting existing customers to generate business opportunities thereby generating revenue
4. Catering to the business having a turnover of Rs 100 to 500 crs in Emerging Business, Rs 500 to 1000 crs in Mid Corporate and Rs 1000 crs & above in Large Corp  with different working capital facilities such as Overdraft, Cash credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc. as per the clients need.
6. Managing customer relationships; addressing both service & sales queries for customers with an objective to engage & retain customers.
7. Identifying new segments & set up new trade verticals for prospective business opportunities at different locations/regions new to the company.
8. Recommend & introduce new services with an objective to engage customers & generate fee income.
9 Acquisition of Emerging Corporate Profile customers 10 Cross sell other retail 

Post Graduate/ Graduate in any discipline

11090

Core Responsibilities:

Sales Process Management

o    Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships.

o    Retain and expand the company’s base of customers for home loan and LAP channel so as to ensure repeat business or referrals

o    Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business

o    Develop and maintain strong liaisons with the clients for repeat business or referrals.

o    Maximize number of APFs and increase penetration in the approved APF projects.

o    Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business

o    Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.

Sales Planning and Team Management

o    Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area

o    Align with the team on ground lead generation activities for Sales.

o    Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies

Industry & Governance

o    Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies

o    Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market.

o    Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.

Qualifications: Graduate, Masters/Postgraduate

Kotak Mahindra Bank Ltd is seeking a Sales Manager for its Business Banking division. The role involves leading a team, driving sales, and managing relationships with clients to achieve business goals.

As a Sales Manager in our Business Banking division, you will play a crucial role in driving the bank’s sales strategy and expanding our client base. You will lead a team of sales professionals, providing guidance and support to ensure effective sales performance. Your responsibilities will include developing and implementing sales plans, identifying new business opportunities, and building strong relationships with existing and potential clients. The role requires excellent leadership and communication skills, a results-driven mindset, and a deep understanding of the banking industry and sales processes.

• Lead and mentor a team of sales professionals, providing guidance and performance feedback.
• Develop and execute sales strategies to achieve business targets and expand the client base.
• Identify new business opportunities and prospects through market research and networking.
• Build and maintain strong relationships with existing clients to ensure customer satisfaction and retention.
• Stay updated with industry trends, competitor activities, and market dynamics to inform sales strategies.
• Collaborate with other departments to ensure seamless client onboarding and account management.
• Analyze sales performance data and provide regular reports to senior management.
• Conduct training sessions and workshops to enhance the sales team’s skills and knowledge.
• Ensure compliance with bank policies and regulations in all sales activities.
• Represent the bank at industry events and conferences to promote our business banking services.
• Bachelor’s degree in Business Administration, Finance, or a related field.
• Minimum 5 years of experience in a sales management role, preferably in the banking industry.
• Proven track record of successful sales leadership and team management.
• Excellent communication and interpersonal skills, with the ability to build strong client relationships.
• Strong analytical skills and proficiency in using sales performance metrics.
• Knowledge of banking products and services, especially in the business banking domain.
• Ability to work independently and manage multiple tasks simultaneously.
• Proficiency in MS Office and sales management software.
• Willingness to travel for business purposes and attend industry events.
• Flexibility to adapt to a dynamic and fast-paced work environment.

Experience Level

Mid Level

 KRA (Accountabilities) (Max 1325 Characters)Supporting Actions (Max 1325 Characters)KRA1Sales Growth & Client AcquisitionIdentify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base
Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture
Actively participate in initiatives and contests driven by Business Development teamsKRA2Operational EffectivenessWork with dual focus on sales volume and value (IRR) through the team
Track & ensure SLA adherence, sales efficiencies and ROI
Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well
Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to RSM as well as down the lineKRA3Distribution &
Market
ExpansionDevelop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures
Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segment
Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolutionKRA4Customer Servicing &
Relationship
ManagementCoordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processes Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring compliant operations
Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the same
Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAsKRA5Risk
ManagementExecute compliant Sales Operations and work in line with risk management principles via coordination with Risk team
Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirements
Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advance
Proactively identify and report risks in order to ensure portfolio quality is maintained
Liaise with the channel partners, customers and the risk team on specific escalation casesKRA6Internal Stakeholder
ManagementPartner with peer ASMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition
Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution

We are looking for a customer-focused and experienced Elite Banker – Inbound to support branch banking operations and deliver high-quality service to walk-in customers. The Elite Banker will play a key role in servicing clients across segments, resolving queries, and supporting the Service Officer as needed. This role also involves non-transactional servicing, reconciliation, and cross-selling of financial products.

1. Service walk-in customers across all segments, ensuring prompt and courteous assistance.
2. Generate leads for New-To-Bank (NTB) customers and actively cross-sell financial products.
3. Act as a backup to the Personal Banker during peak hours or absences.
4. Handle non-transactional servicing tasks such as audit support and reconciliation of branch accounts.
5. Resolve customer queries efficiently and professionally.
6. Identify and capitalize on business opportunities sensed during customer interactions.
7. Deliver a high-quality customer experience to encourage retention and positive word-of-mouth.
8. Ensure compliance with internal policies and regulatory guidelines.

Core Responsibilities:

Sales Process Management

o    Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships.

o    Retain and expand the company’s base of customers for home loan and LAP channel so as to ensure repeat business or referrals

o    Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business

o    Develop and maintain strong liaisons with the clients for repeat business or referrals.

o    Maximize number of APFs and increase penetration in the approved APF projects.

o    Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business

o    Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.

Sales Planning and Team Management

o    Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area

o    Align with the team on ground lead generation activities for Sales.

o    Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies

Industry & Governance

o    Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies

o    Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market.

o    Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.

Qualifications: Graduate, Masters/Postgraduate

– The role involves managing client relationships and ensuring customer satisfaction.
– Candidates should have experience in sales and business development.
– The position requires strong communication and interpersonal skills.
– The ideal candidate will be responsible for achieving sales targets and developing new business opportunities.
– Experience in a similar role is essential, with a focus on building long-term client relationships.

The Premier Acquisition Manager – Business Banking is responsible for acquiring and managing high-value Current Account (CA) customers and driving business banking product penetration. The role involves sourcing new-to-bank customers, building family banking relationships, and generating revenue through cross-sell and third-party products. The candidate should have strong customer orientation, high energy levels, and prior experience in sourcing and managing business banking clients.
Achieve business objectives for Retail Liabilities Sales at the branch level, focusing on value, volume, and channel productivity.
Source and onboard high-value Current Account customers and their family banking relationships.
Drive revenue through cross-selling of third-party products such as insurance and investment solutions.
Promote and penetrate business banking products like CMS, POS, and Beat services to CA customers.
Acquire new customers through personal efforts and acquisition channels.
Coordinate with internal teams including credit, legal, operations, and product to ensure smooth onboarding and servicing.
Maintain strong relationships with customers to ensure long-term engagement and satisfaction.

Experience Level

Mid Level

We are looking for a motivated and customer-oriented Gold Loan Relationship Officer to drive business growth in the Loans Against Gold segment. The role involves sourcing new customers, managing existing relationships, and ensuring smooth processing of gold loan applications. The ideal candidate should have strong interpersonal skills, a sales mindset, and a good understanding of gold loan products and branch operations.

Source new customers for gold loan products through branch walk-ins, field visits, and local networking Explain product features, eligibility criteria, and documentation requirements to customers Ensure timely processing and disbursement of gold loans Maintain high levels of customer service and satisfaction Cross-sell other banking products such as CASA, insurance, and investment products Ensure compliance with internal policies, audit norms, and regulatory guidelines Maintain accurate records of customer interactions and loan documentation Collaborate with branch teams to ensure seamless operations and customer experience

Experience Level

Mid Level

We are seeking a dynamic and experienced Platinum Banker to manage and grow relationships with High Net Worth (HNW) clients. The role involves deepening existing relationships and acquiring new ones by offering tailored banking solutions across liabilities and commercial assets. The ideal candidate will have strong knowledge of trade finance, commercial lending, and investment products, along with a passion for delivering exceptional customer service. This is a high-impact role that requires strategic thinking, excellent interpersonal skills, and the ability to coordinate across teams to deliver a seamless banking experience.

1. Acquire and expand relationships with High Net Worth individuals for both liabilities and commercial assets.
2. Deliver superior customer service while ensuring adherence to bank policies and compliance standards.
3. Cross-sell a wide range of banking products and services to deepen client relationships.
4. Educate clients about new products and enhancements to maximize engagement.
5. Organize and lead targeted sales initiatives and client engagement events.
6. Collaborate with other group companies to offer integrated financial solutions.
7. Maintain comprehensive records of client interactions and relationship history.
8. Monitor and resolve customer complaints and queries with a focus on quick turnaround and satisfaction.

Experience Level

Mid Level

As the Senior Relationship Manager, you will play a crucial role in expanding our TASC business and institutional client base. Your primary focus will be on building and maintaining strong relationships with key decision-makers and stakeholders. You will be responsible for understanding client needs, offering tailored solutions, and ensuring a seamless and positive client experience. This role offers an exciting opportunity to shape and grow our business, with the potential for significant career advancement.

• Develop and execute strategic plans to acquire new TASC and institutional clients.
• Build and nurture long-term relationships with key decision-makers and influencers.
• Understand client needs and offer tailored solutions to meet their financial goals.
• Collaborate with internal teams to deliver exceptional client service and support.
• Stay updated on industry trends and market dynamics to provide valuable insights to clients.
• Identify cross-selling opportunities and promote Kotak Mahindra Bank’s products and services.
• Manage and mentor a team of Relationship Managers, providing guidance and support.
• Ensure compliance with all regulatory and internal policies and procedures.
• Prepare and present regular performance reports to senior management.
• Represent the bank at industry events and conferences, building the bank’s reputation.

• A bachelor’s degree in Business, Finance, or a related field is preferred.
• Minimum 8-10 years of experience in relationship management, preferably in the banking sector.
• Proven track record of successful client relationship management and business development.
• Excellent communication and interpersonal skills, with the ability to build rapport.
• Strong leadership and mentoring abilities, with a track record of team management.
• In-depth knowledge of financial products and services, especially in the TASC domain.
• Ability to work independently and manage multiple priorities effectively.
• Analytical skills to interpret data and make informed business decisions.
• Proficiency in Microsoft Office and other relevant software.
• Willingness to travel as required for client meetings and business development.

Experience Level

Senior Level

Cash Management Services (CMS) Sales is the Product specialist team that provides transaction banking solutions & expertise to  Wholesale Bank. Candidate must have experience in handling  clients preferably corporate clients. He should have basic understanding on CMS & Liability products.

•Relationship Manager for CMS Products for wholesale banking clients•Responsible for the P & L of the CMS products and ensure increase wallet share •Responsible for achieving the product drivers such as average CA, fees from CMS and throughput.•Postgraduate: MBA /CA•5 to 6 years of experience in Cash management.•Understanding of RBI guidelines/ CA / Escrow / AML / KYC / PA & PG Guidelines•Skills required:•Managing Client Experience•Have Liability Product Knowledge for Product Penetration•Understanding of Market and customer segment•Experience in operations and sales preferred

Experience Level

Mid Level

As a Sales Executive, you will be responsible for promoting and selling personal loans to potential customers. Your role will involve identifying and targeting prospective clients, understanding their financial needs, and offering tailored loan solutions. You will build strong relationships with customers, providing excellent service and ensuring a positive borrowing experience. Your efforts will contribute to the bank’s overall sales targets and help drive business growth.

• Proactively identify and engage with potential customers to promote personal loan products.
• Conduct thorough needs assessments to understand customer financial requirements.
• Offer personalized loan solutions, explaining terms and conditions clearly.
• Build and maintain a strong network of customer relationships.
• Achieve individual and team sales targets, ensuring consistent performance.
• Stay updated with market trends and competitor offerings to provide competitive solutions.
• Collaborate with colleagues to cross-sell other bank products and services.
• Provide exceptional customer service, addressing queries and concerns promptly.
• Maintain accurate records and documentation for loan applications and approvals.
• Attend sales meetings, training sessions, and events to enhance skills and knowledge.

• A bachelor’s degree in business, finance, marketing, or a related field is preferred.
• Minimum 2 years of experience in sales, preferably in the banking or financial services industry.
• Excellent communication and interpersonal skills, with a customer-centric approach.
• Strong sales and negotiation skills, with a proven track record of achieving targets.
• Ability to build rapport and establish long-term customer relationships.
• Proficiency in using CRM systems and sales tracking tools.
• Good knowledge of personal loan products, including features and benefits.
• Analytical skills to interpret data and make informed sales decisions.
• Flexibility to work in a dynamic and fast-paced environment.
• A self-motivated and results-driven attitude with a passion for sales.

Experience Level

Executive Level

Developing relationships with OEMs/ Dealers, owning the target for the year & working towards achievement of target / acquiring customer & maintaining the relation ship 

to work with all stakeholder to achieve the business goal of the company 

Experience Range : 5 to 15 Years Qualifications :Graduate (Any Specialisation)MBA

Experience Level

Mid Level

Relationship Manager-Loan Against Property

Location
Mumbai

Reporting Relationships
Location Manager

The ‘Loan Against Property (LAP)’ Business vertical is the part of ‘Secured Assets’ division of the Consumer Bank.

This vertical specializes in acquiring retail customers for funding against Residential, Commercial & Industrial Properties. We also provide loans for purchase of Commercial Properties and funding with Lease Rental Discounting. The target customer segment is small & medium traders, manufacturers & service provides and self-employed professionals. We have recently started funding Salaried customers also. The vertical has Pan India presence with coverage in most of the major towns of the country. The Sales team comprises Relationship Managers (RMs) who are responsible for acquiring LAP customers from various channels i.e. Direct Marketing Agents, Direct Sales Teams, Branch Banking & Other Group Businesses etc.

  Job Role:

• Manage sales for Loan against Property business from cross channel and open market
• Manage sales and distribution through the cross channel and open market channels
• Ensure unilateral growth by adding new Branches
• Manage and grow the Direct Sales team and focus on increased Productivity
• Marketing and encashing catchment areas
• Meeting HNI clients and explaining various products related to Loan against property/HF/ Working capital.
• Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets
• Responsible for Project approvals of Builders
• Ensure additional revenue generation through cross sell & Multi selling of Insurance, CASA , Credit Cards   etc.
• Training & Development of the DST Team and DSAs
• Liasoning with Internal teams for business like Credit, Legal, Technical, RCU & Operations
• Responsible for end to end processing of the case and updating the status of the same to the customers.
• Ensuring Top Class service for Customers for better NPS Scores
• Experience in SECURED LOAN SALES is Must

 Job Requirements:

• Qualification – Graduate / MBA

Skills & Experience –

• Minimum 2 years work experience in Home Loan /Mortgage Sales with DMA/DST/Bank Branches
• Customer relationship management skills
• Sales and service orientation

Experience Level

Mid Level

ABOUT TIDE

At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting.

Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love.

Tide facts:

• Tide is available for UK, Indian, German and French SMEs
• Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,800 Tideans globally
• Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026
• We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg

ABOUT THE ROLE

• Hire and closely manage the DST/FOS team in the assigned market, including training, performance tracking, and providing on-ground support to ensure effective execution.
• Identify and engage with SMEs, corporates, restaurants, salons, hotels, and other relevant retail outlets in the specific region to pitch and close partnerships for Tide Card distribution.
• Take full ownership of the acquisition pipeline by managing both active and prospective leads, ensuring timely follow-ups and conversions.
• Collaborate with internal stakeholders to ensure smooth onboarding of new partners across restaurant, salon, retail, and hospitality segments.
• Provide ongoing support and training to onboarded partners, equipping them with product knowledge and relevant business opportunities for success.
• Coordinate the monthly rollout of partner activation campaigns and app-based marketing initiatives in collaboration with internal teams.
• Act as the primary point of contact for partners, handling operational and technical queries and escalating to internal teams for timely resolution.
• Explore and implement new growth opportunities by deepening engagement with existing and potential partners.
• Monitor the competitive landscape and evolving partner trends to refine strategies and maintain strong market positioning.

WHAT WE ARE LOOKING FOR

• 5–7 years of total work experience with at least 3+ years managing FOS/Card sales teams, preferably in fintech or prepaid card sales.
• Skilled in hiring, training, and scaling field sales teams from scratch with a deep understanding of on-ground execution.
• Comfortable working in a fast-paced startup environment and capable of identifying innovative use cases for Tide Card adoption.
• Strong ownership mindset with a creative and solutions-driven approach to solving business challenges.
• Excellent communication and interpersonal skills for building effective relationships across internal and external stakeholders.
• Willingness to engage in fieldwork and use grassroots-level insights to shape regional strategy.
• Self-starter with a detail-oriented work ethic who can work independently and takes initiative without constant supervision.

WHAT YOU’LL GET IN RETURN

• • Competitive salary
  • Self & Family Health Insurance
  • Term & Life Insurance
  • OPD Benefits
  • Mental wellbeing through Plumm
  • Learning & Development Budget
  • 15 days of Privilege leaves
  • 12 days of Casual leaves
  • 12 days of Sick leaves
  • 3 paid days off for volunteering or L&D activities

TIDE IS A PLACE FOR EVERYONE

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. 

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members’ diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

 Disclaimer It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide’s Recruitment Privacy Notice.

Experience Level

Senior Level

As a Relationship Officer for Kotak 811 Digital Sales, you will be responsible for acquiring new customers through open market activities and driving sales of financial products. This is a high-energy, field-based role focused on building relationships, achieving sales targets, and expanding the bank’s digital footprint.

The ‘Loan Against Property (LAP)’ Business vertical is the part of ‘Secured Assets’ division of the Consumer Bank.

This vertical specializes in acquiring retail customers for funding against Residential, Commercial & Industrial Properties. We also provide loans for purchase of Commercial Properties and funding with Lease Rental Discounting. The target customer segment is small & medium traders, manufacturers & service provides and self-employed professionals. We have recently started funding Salaried customers also. The vertical has Pan India presence with coverage in most of the major towns of the country. The Sales team comprises Relationship Managers (RMs) who are responsible for acquiring LAP customers from various channels i.e. Direct Marketing Agents, Direct Sales Teams, Branch Banking & Other Group Businesses etc.

  Job Role:

• Manage sales for Loan against Property business from cross channel and open market
• Manage sales and distribution through the cross channel and open market channels
• Ensure unilateral growth by adding new Branches
• Manage and grow the Direct Sales team and focus on increased Productivity
• Marketing and encashing catchment areas
• Meeting HNI clients and explaining various products related to Loan against property/HF/ Working capital.
• Responsible for Builder relations and Builder Tie Ups to focus on Primary Markets
• Responsible for Project approvals of Builders
• Ensure additional revenue generation through cross sell & Multi selling of Insurance, CASA , Credit Cards   etc.
• Training & Development of the DST Team and DSAs
• Liasoning with Internal teams for business like Credit, Legal, Technical, RCU & Operations
• Responsible for end to end processing of the case and updating the status of the same to the customers.
• Ensuring Top Class service for Customers for better NPS Scores
• Experience in SECURED LOAN SALES is Must

 Job Requirements:

• Qualification – Graduate / MBA

Skills & Experience –

• Minimum 2 years work experience in Home Loan /Mortgage Sales with DMA/DST/Bank Branches
• Customer relationship management skills
• Sales and service orientation

Experience Level

Mid Level

Relationship Manager – CONSTRUCTION EQUIPMENT (CE)

Department
Construction Equipment

Location
Mumbai

Reporting Relationships
AVP

Number of Positions
1

Position Grade
M3/M4

• Sourcing new to bank (NTB) clients
• Relationship management for Mid and large corporates / Infrastructure companies
• Experience in handling clients with more than 25 cr Turnover, and avg ticket size of lending of >Rs.10crs.  
• Candidate should have dealt with following products: 

1. Cash credit/Over draft Limits 
2. Project funding for EPC projects
3. Term Loan/Foreign currency Term Loan for Working capital and Equipment/Plant and Machinery Purchases
4. Bank Guarantee Limits
5. Trade  products  i.e. LC  Limits  (for Import and domestic purchases)
6. Bill Discounting Limits both LC backed and BOE backed
7. Buyers credit Limits

•  
• MBA Finance/Marketing, CA
• Experience of more than 2-3 years
• Experience in acquiring new to bank Clients
• Experience of handling mid to large corporate clients
• Knowledge of various wholesale banking products like CC, OD, BG, BC LC’s and Trade & Forex, export products and project Term Loans
• Knowledge of Infra companies into Road/Civil Construction and Development, Power, Irrigation, water and sewerage, Mining and Quarry, Oil and Gas Exploration, Ports, Shipping, Warehousing and Material Handling, Hotels, Hospitals will be an added advantage
• Knowledge of Mortgage and properties
• Good negotiation skills                                                       

 Application:

 If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to manasi.thakur@kotak.com

Please mention the following in the subject line as ‘”Position Name” –“Your Name” – “Your Current Business group”

Experience Level

Entry Level

Job Description:

Job Title: Sales Manager – Premium Banking

Location: New Delhi, India

Role Description

• Candidate is having prior experience of New to bank acquisition of saving accounts through open market lead generation and closure, successful onboarding of Customer for a smooth transition to branch banking team, Sourcing new account.
• Your experience will support team/Bank to acquire new client from the open market to bank with us and generate revenue.

What we’ll offer you

As part of our flexible scheme, here are just some of the benefits that you’ll enjoy

• Best in class leave policy
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

Acquisition

• Increase acquisition of Target clientele across in Advantage Banking segments. Periodically assist Advantage Banking in conducting approved local level sales drive (micro events) for the acquisition.
• Acquire new accounts from group companies / family of existing customers.
• Acquire new accounts from referrals from existing customers.

Relationship Building / Deepening / Cross Sell / Transition

• Ensure consistent growth of the Advantage Banking portfolio.
• Work closely with the Advantage Banking and team and establish synergies for maximum penetration of Investment & Insurance sales to new customers along with deepening into the book.
• Build a robust momentum regarding the third-party distribution (insurance, auto loans, mortgages) and fee income to scale up the client portfolio growth, in line with the set targets.
• Implement customer contact programs to ensure their share of wallet with the bank increases.
• Ensure smooth transition of customer management to the respective RM post-acquisition

Retention

• Ensure top-class service delivery to clients to be in line with the best in the industry.
• Monitor high net worth accounts closely to ensure that customers continue regular use the account and grow balances.
• Work towards reactivating accounts which have stopped transacting or depleted in balances.
• Assist in resolving service hurdles to create a delight situation for customers

Risk Management & Governance

• Ensure awareness and adherence with the Know Your Customer policy, Anti Money Laundering Policy, Mis-selling Policy, Information Protection Policy, Operational Risk, Code of Conduct and other laid down compliance norms of the bank as stipulated from time to time.
• Provide regular feedback on the changing customer needs to the SSM.
• Any suspicious transaction to be immediately reported to the SSM.

Your skills and experience

• In-depth knowledge of Product and Policy
• Having Good Communication skill
• Having good negotiation skill 
• Have and understood the market update and knowledge.
• Having awareness and information about the competition 

How we’ll support you

• Training and development to help you excel in your career.
• Coaching and support from experts in your team.
• A culture of continuous learning to aid progression.
• A range of flexible benefits that you can tailor to suit your needs.

About us and our teams

Please visit our company website for further information:

https://www.db.com/company/company.html

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.

Experience Level

Mid Level

The Relationship Manager will play a pivotal role in managing relationships, identifying sales opportunities and driving growth in the Old Car Finance vertical. You will be responsible for achieving sales targets and maintaining strong client relationships.

· To Plan and implement strategy to achieve business numbers and profitability.

· Managing Collaborates to tie up with Dealers, DSAs and direct business models.

· To develop and Drive the business by ensuring healthy portfolio and achieve heathy IRR. In addition, ensuring dealer and brokers are on boarded as per budget.

· Develop New and pre-owned car loans business cross branches and location.

· Portfolio Management

· Engage in managing the team, provide training & knowledge about the new product and policy of the organization.

· Manage, Allocate, assess business and leads from Channels/Dealers to Team leader, sales officers and coordinators tagged under there geographic territory.

· Maintaining relationship with Channels / Dealers and pre- asses in principle decision to fund the customer.

· Keeping an eye on the Nonstarter, PDD and creating new counters that can be a better business prospect in the future

• Minimum experience of 3-4 years in Auto Loans 
• Minimum qualification – Any Graduate. 
• Grade – Deputy Manager/Manager

Experience Level

Mid Level

Key Job Responsibilities Deliver on Customer Acquisition through business development•To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)•Work in the Area assigned by the Branch Business Manager and generate leads•Cold Calling to the potential customer base to generate business•Daily Sales Calls as per the Plan submitted to BBM•To find, nurture and develop excellent relationship with the Referral Partners / Connectors
Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business•To give doorstep service to customers – at their residence or office.•To learn the Organization’s policies, and source files as per the policy.•To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager •To Support the Customers in terms of end -to- end loan processing.•To act as the Bridge between Customers and the Branch•To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.•To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.•To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.•Retain existing live loan customers.
Knowledge, Skills & Attributes•Result Orientation•Customer Service & Retention Focus•Strong presentation skills•Relationship Building & Stake holder Management•Process Knowledge/ Orientation•Cross Selling / Upselling Skills•Business Development•Communication Skills – Proficiency in local language and English

The Premier Acquisition Manager – Business Banking is responsible for acquiring and managing high-value Current Account (CA) customers and driving business banking product penetration. The role involves sourcing new-to-bank customers, building family banking relationships, and generating revenue through cross-sell and third-party products. The candidate should have strong customer orientation, high energy levels, and prior experience in sourcing and managing business banking clients.
Achieve business objectives for Retail Liabilities Sales at the branch level, focusing on value, volume, and channel productivity.
Source and onboard high-value Current Account customers and their family banking relationships.
Drive revenue through cross-selling of third-party products such as insurance and investment solutions.
Promote and penetrate business banking products like CMS, POS, and Beat services to CA customers.
Acquire new customers through personal efforts and acquisition channels.
Coordinate with internal teams including credit, legal, operations, and product to ensure smooth onboarding and servicing.
Maintain strong relationships with customers to ensure long-term engagement and satisfaction.

Experience Level

Mid Level

Company Name – Muthoot Fincorp Limited

Job Title – Branch Sales Manager, Secured & Unsecured Business Loans 

Grade – C4

Location – PAN India

Reports to – Business Manager, Secured & Unsecured Business Loans

Span Of Control – NA

Job Purpose 

The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. 

Key Job Responsibilities 

Deliver on Customer Acquisition through business development

• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• Work in the Area assigned by the Branch Business Manager and generate leads
• Cold Calling to the potential customer base to generate business
• Daily Sales Calls as per the Plan submitted to BBM
• To find, nurture and develop excellent relationship with the Referral Partners / Connectors

Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business

• To give doorstep service to customers – at their residence or office.
• To learn the Organization’s policies, and source files as per the policy.
• To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager 
• To Support the Customers in terms of end -to- end loan processing.
• To act as the Bridge between Customers and the Branch
• To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.
• Retain existing live loan customers.

Knowledge, Skills & Attributes

• Result Orientation
• Customer Service & Retention Focus
• Strong presentation skills
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• Cross Selling / Upselling Skills
• Business Development
• Communication Skills – Proficiency in local language and English

Culture at Muthoot Pappachan Group

We do everything to gain and maintain the “Trust” of all the stakeholders and don’t do anything to lose their “Trust”. Trust is the overarching “Core Value”, one which, our other values have been built. 

Our Core Values 

Integrity

• Asking oneself before saying, doing or deciding on anything, whether it’s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value

Collaboration

• Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks

Excellence

• Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don’t get settled for less at any cost – display the go getter attitude. Encourage people to stretch in order to achieve excellence

Building on the bedrock of Core Values, below are the other key constituents of the “Culture Code”

• Honesty
• Humility 
• Empathy 
• Empowerment
• Agility
• Ownership
• Fresh Thinking & Continuous Renewal
• Inclusion
• Work-Life Balance

Role Requirements

Educational Qualification – Graduate 

Experience – At least 2 years’ experience in working in Retail Assets especially Home Loans and Loan Against Property business.   Exposure to Affordable segment preferred.

Key Job Responsibilities

Deliver on Customer Acquisition through business development

•To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)

•Work in the Area assigned by the Branch Business Manager and generate leads

•Cold Calling to the potential customer base to generate business

•Daily Sales Calls as per the Plan submitted to BBM

•To find, nurture and develop excellent relationship with the Referral Partners / Connectors

Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business

•To give doorstep service to customers – at their residence or office.

•To learn the Organization’s policies, and source files as per the policy.

•To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager 

•To Support the Customers in terms of end -to- end loan processing.

•To act as the Bridge between Customers and the Branch

•To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.

•To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.

•To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.

•Retain existing live loan customers.

Knowledge, Skills & Attributes

•Result Orientation

•Customer Service & Retention Focus

•Strong presentation skills

•Relationship Building & Stake holder Management

•Process Knowledge/ Orientation

•Cross Selling / Upselling Skills

•Business Development

•Communication Skills – Proficiency in local language and English

Role: Affluent Relationship Manager

• Develop new and expand existing, HNI Customer relationships for Priority Business by in-depth profiling of the client to identify opportunities and matching these opportunities to products/ solutions provided by Kotak Group
• Generate business across liabilities, assets and fee products to sustain and achieve growth in relationship value, revenues and client stickiness
• Formulate and implement the sales plan to acquire new HNI clients and increase the customer base
• Navigate through adaptive and technical challenges to seamlessly align service delivery and enhance client experience  
• Use investment expertise to conduct client portfolio reviews and showcase products as per clients requirements
• Ensure client contactability at all times though regular connect with them in weekly/ monthly calls
• Resolve client queries for the managed book within the specified TAT
• Plan and conduct special sales initiatives and events for prospective and existing clients
• Endure adherence to all bank and regulatory processes at all times
• Aptitude to deliver high quality customer service by using organization and interpersonal skills
• Decision making skills with strong sense of ownership 
• Ability to work under pressure
• Experience in building and maintaining HNI customer relationships

Job Requirement:

• Aptitude to deliver high quality customer service by using organization and interpersonal skills
• Decision making skills with strong sense of ownership 
• Ability to work under pressure
• Experience in building and maintaining HNI customer relationships

Experience Level

Entry Level

We are looking for a driven and experienced Sales Manager to lead the Loan Against Property (LAP) business vertical within the Secured Assets division of the Consumer Bank. This role involves managing sales and distribution through cross-channel and open market sources, acquiring retail customers for funding against residential, commercial, and industrial properties, and driving business growth through strategic builder tie-ups and project approvals. The ideal candidate will have a strong background in secured loan sales, excellent customer relationship management skills, and the ability to manage and train Direct Sales Teams (DSTs) and Direct Marketing Agents (DMAs). The role also includes cross-selling banking products, ensuring top-class customer service, and coordinating with internal departments for seamless processing.
We are looking for a driven and experienced Sales Manager to lead the Loan Against Property (LAP) business vertical within the Secured Assets division of the Consumer Bank. This role involves managing sales and distribution through cross-channel and open market sources, acquiring retail customers for funding against residential, commercial, and industrial properties, and driving business growth through strategic builder tie-ups and project approvals.

The ideal candidate will have a strong background in secured loan sales, excellent customer relationship management skills, and the ability to manage and train Direct Sales Teams (DSTs) and Direct Marketing Agents (DMAs). The role also includes cross-selling banking products, ensuring top-class customer service, and coordinating with internal departments for seamless processing.

Experience Level

Mid Level

Key Job Responsibilities Deliver on Customer Acquisition through business development•To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)•Work in the Area assigned by the Branch Business Manager and generate leads•Cold Calling to the potential customer base to generate business•Daily Sales Calls as per the Plan submitted to BBM•To find, nurture and develop excellent relationship with the Referral Partners / Connectors
Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business•To give doorstep service to customers – at their residence or office.•To learn the Organization’s policies, and source files as per the policy.•To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager •To Support the Customers in terms of end -to- end loan processing.•To act as the Bridge between Customers and the Branch•To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.•To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.•To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.•Retain existing live loan customers.
Knowledge, Skills & Attributes•Result Orientation•Customer Service & Retention Focus•Strong presentation skills•Relationship Building & Stake holder Management•Process Knowledge/ Orientation•Cross Selling / Upselling Skills•Business Development•Communication Skills – Proficiency in local language and English

Company Name – Muthoot Fincorp Limited

Job Title – Branch Sales Manager, Secured & Unsecured Business Loans 

Grade – C4

Location – PAN India

Reports to – Business Manager, Secured & Unsecured Business Loans

Span Of Control – NA

Job Purpose 

The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. 

Key Job Responsibilities 

Deliver on Customer Acquisition through business development

• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• Work in the Area assigned by the Branch Business Manager and generate leads
• Cold Calling to the potential customer base to generate business
• Daily Sales Calls as per the Plan submitted to BBM
• To find, nurture and develop excellent relationship with the Referral Partners / Connectors

Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business

• To give doorstep service to customers – at their residence or office.
• To learn the Organization’s policies, and source files as per the policy.
• To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager 
• To Support the Customers in terms of end -to- end loan processing.
• To act as the Bridge between Customers and the Branch
• To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.
• Retain existing live loan customers.

Knowledge, Skills & Attributes

• Result Orientation
• Customer Service & Retention Focus
• Strong presentation skills
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• Cross Selling / Upselling Skills
• Business Development
• Communication Skills – Proficiency in local language and English

Culture at Muthoot Pappachan Group

We do everything to gain and maintain the “Trust” of all the stakeholders and don’t do anything to lose their “Trust”. Trust is the overarching “Core Value”, one which, our other values have been built. 

Our Core Values 

Integrity

• Asking oneself before saying, doing or deciding on anything, whether it’s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value

Collaboration

• Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks

Excellence

• Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don’t get settled for less at any cost – display the go getter attitude. Encourage people to stretch in order to achieve excellence

Building on the bedrock of Core Values, below are the other key constituents of the “Culture Code”

• Honesty
• Humility 
• Empathy 
• Empowerment
• Agility
• Ownership
• Fresh Thinking & Continuous Renewal
• Inclusion
• Work-Life Balance

Role Requirements

Educational Qualification – Graduate 

Experience – At least 2 years’ experience in working in Retail Assets especially Home Loans and Loan Against Property business.   Exposure to Affordable segment preferred.

Company Name – Muthoot Fincorp Limited

Job Title – Relationship Manager – Wealth

Grade – MM2

Designation – Deputy  Manager

Location – Delhi 

Reports to – 

Span Of Control – NA

Our Brand Purpose

To transform the life of the common man by improving their financial wellbeing 

JOB DESCRIPTION

 ROLE SUMMARY (PURPOSE) The primary responsibility of Relationship Manager in the Wealth Channel at Muthoot FinCorp is to cultivate and manage relationships with high-net-worth individuals, families, or businesses seeking wealth management and financial advisory services

KEY RESPONSIBILITIES 

Business Development and Relationship Management 

•  Identify opportunities to expand the client base through referrals, networking, and prospecting to meet revenue targets. 
•  Conduct daily sales calling with the prospective new clients and identify their needs. Provide and develop solutions and suggest schemes to client’s basis their requirements and goal.
• Achieve financial goals of the clients through various product lines like LI, MF, FI, GI and other liabilities products.
• Update and cross – sell products and services to existing clients and update them about the primary and secondary market trends.
• Ensure that revenue for the total review period meets the target revenue targets basis the vintage and the guidelines and compliances at MFL. 
•  Build and maintain strong, long-term relationships with high-net-worth clients by understanding their financial goals, needs, and risk tolerance. 
• Collaborate with clients to develop comprehensive financial plans that encompass investments, estate planning, retirement, tax strategies, and wealth preservation. 
•  Educate clients about market trends, investment options, and financial planning strategies to empower them to make informed decisions

Portfolio Management 

• Manage clients’ investment portfolios by selecting appropriate asset classes, investment vehicles, and strategies to achieve their financial objectives.
• Evaluate clients’ risk tolerance and ensure investment strategies align with their risk profiles while minimizing potential financial risks. 
• Adhere to all regulatory guidelines and compliance standards, ensuring that clients’ investments comply with relevant laws and regulations 

Self and stakeholder management 

•  Provide regular performance reports to clients, detailing the performance of their portfolios, investment strategy adjustments, and progress toward financial goals. 
•  Stay updated on financial products and services, including stocks, bonds, mutual funds, alternative investments, and insurance products, to provide informed recommendations.
• Collaborate with other departments, such as legal, tax, and estate planning, to offer comprehensive financial solutions to clients.

KEY SKILLS & BEHAVIOURAL ATTRIBUTES 

Key Skills- Relationship building and client-focused approach, Investment analysis and financial planning, Risk management and compliance, Sales and business development, financial product knowledge, analytical and problem solving, Interpersonal, communication and presentation skills. 

Behavioral Attributes- Driven and in alignment with our Purpose “Transforming the life of the common man by improving their financial well-being” and anchored by our core value of integrity, collaboration, and excellence.

Culture at Muthoot Pappachan Group

We do everything to gain and maintain the “Trust” of all the stakeholders and don’t do anything to loose their “Trust”. Trust is the overarching “Core Value”, one which, our other values have been built. 

Our Core Values 

Integrity

• Asking oneself before saying, doing or deciding on anything, whether it’s passing the test of integrity
• No unethical shortcuts, to save time, money and energy
• Strict adherence to regulatory and other statutory bodies guidelines 
• Transparency in all business deals
• Offer solutions to customers on the basis of their needs only
• Encourage people to highlight any practices that go against this core value

Collaboration

• Genuinely believe & treat the organization as your family
• Encourage people to build healthy professional relationship with members of other departments and functions
• Welcome feedback from other departments
• Encourage people from other departments to join for brainstorming sessions
• Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal
• Help others to achieve their goals / tasks

Excellence

• Maddeningly pursue excellence
• Look for best outcomes before finalizing the approach
• Maintain a constructive and critical mindset to gauge & ensure quality 
• Open for constructive feedback from others to refine the final output
• Benchmark against the best only, should not be basis convenience
• We should look for continuous improvement
• Recognize and appreciate if we observe any superior performance 
• Do not get settled for less at any cost – display the go getter attitude
• Encourage people to stretch to achieve excellence

Building on the bedrock of Core Values, below are the other key constituents of the “Culture Code”

• Honesty
• Humility 
• Empathy 
• Empowerment
• Agility
• Ownership
• Fresh Thinking & Continuous Renewal
• Inclusion
• Work-Life Balance

Role Requirements

Education

Any UG/PG or MBA

Qualifications

NA

Experience

4+ years of overall experience

The Gold Loan Relationship Officer will play a vital role in our Loans Against Gold department, focusing on marketing and branch operations. You will be responsible for developing and maintaining relationships with customers, understanding their financial needs, and offering tailored gold loan solutions. Your expertise will contribute to the success of our business by ensuring a seamless and satisfying customer experience.

• Build and nurture strong relationships with customers, understanding their financial goals and requirements.
• Promote and market gold loan products to potential customers, explaining the benefits and features effectively.
• Process gold loan applications, ensuring accurate and timely documentation and compliance with regulations.
• Provide excellent customer service, addressing inquiries and concerns promptly and professionally.
• Maintain a thorough understanding of gold loan products, market trends, and competitor offerings.
• Collaborate with branch teams to ensure smooth operations and efficient customer onboarding.
• Conduct market research and analyze customer feedback to identify opportunities for improvement.
• Maintain accurate records and generate reports on loan disbursals, repayments, and customer interactions.
• Attend industry events and network with potential clients to expand our customer base.
• Stay updated with industry trends and regulations, ensuring compliance with all legal requirements.

• A bachelor’s degree in finance, business administration, or a related field is preferred.
• Minimum 2-3 years of experience in a similar role, preferably in the banking or financial services industry.
• Strong knowledge of gold loan products, including loan processing and documentation.
• Excellent communication and interpersonal skills, with a customer-centric approach.
• Ability to build rapport and establish long-term relationships with customers.
• Proficiency in using MS Office and other relevant software for data management and reporting.
• Analytical skills to interpret data, identify trends, and make informed business decisions.
• A self-starter with a proactive mindset, able to work independently and as part of a team.
• Willingness to travel for business purposes and attend industry events.
• A valid driving license and the ability to commute to different branch locations.

Experience Level

Mid Level

RM role in Mid Markets team is an acquisition intensive role. Focus is on New Client Acquisition, in addition to managing existing portfolio of clients. RM needs to be informed of key trends in identified markets and needs to leverage that knowledge when engaging with customers. 

Anticipate client needs and deliver quick, efficient solutions to ensure clients are happy

Must have knowledge of various corporate banking products like Forex, Trade, CMS etc 

Superior Relationship management skills 

Analytical and financial skills

• Acquisition of NTB clients – Asset & Liability 

• Manage existing portfolio, and grow SOH and CASA book

• Generate Fee Income & be responsible for account profitability and ensuring minimal delinquency

• Revenue delivery across products, ensure compliance to bank’s audits, statutory and regulatory requirements, 

• Develop Relationships and liaise with product and operations teams to provide customers experience of high standards.

• CA/ MBA in finance/Marketing 

• 3-6 Years of relevant banking experience 

Experience Level

Mid Level

We are seeking a dynamic and experienced Platinum Banker to manage and grow relationships with High Net Worth (HNW) clients. The role involves deepening existing relationships and acquiring new ones by offering tailored banking solutions across liabilities and commercial assets. The ideal candidate will have strong knowledge of trade finance, commercial lending, and investment products, along with a passion for delivering exceptional customer service.

This is a high-impact role that requires strategic thinking, excellent interpersonal skills, and the ability to coordinate across teams to deliver a seamless banking experience.Acquire and expand relationships with High Net Worth individuals for both liabilities and commercial assets
Deliver superior customer service while ensuring adherence to bank policies and compliance standards
Cross-sell a wide range of banking products and services to deepen client relationships
Educate clients about new products and enhancements to maximize engagement
Organize and lead targeted sales initiatives and client engagement events
Collaborate with other group companies to offer integrated financial solutions
Maintain comprehensive records of client interactions and relationship history
Monitor and resolve customer complaints and queries with a focus on quick turnaround and satisfactionTrade Finance, Commercial Lending, Investment Products Knowledge, Customer Service Excellence, Strategic Thinking, Interpersonal Skills, Team Coordination, Trade Finance Knowledge,Commercial Lending Knowledge,Investment Products Knowledge,Customer Service Excellence,Strategic Thinking,Interpersonal Skills,Team Coordination,Deep Product Knowledge & Application,Needs-Based Selling,Referral Generation & Management,Negotiation & Persuasion,Customer Segmentation & Profiling,Customer Lifetime Value (CLTV) Focus,Data Analysis & Insights (Basic CRM/Analytics),Financial Planning & Advisory,Proactive Engagement & Follow-up,Conflict Resolution & Issue Management,Ethical Sales Practices & Transparency,Time Management & Prioritization

Experience Level

Mid Level