Business correspondent - Territory relationship manager_SUPPORT SERVICES_0762_4288_1046494
Kotak Mahindra Bank · Banking & Financial Services
- Chandigarh, India
- On-site
- Posted today
- Apply by 28 Nov
- Sales & Business Development
Key Responsibilities
Business Development
Drive sourcing of loans, liability products, and other banking products through the BC network.
Identify, recruit, and onboard new Business Correspondents in the assigned territory.
Expand market penetration and increase customer acquisition.
Achieve monthly, quarterly, and annual business targets.
Relationship Management
Build and maintain strong relationships with BC partners and key stakeholders.
Provide regular support and guidance to BCs on product offerings and sales processes.
Conduct periodic visits to BC locations to ensure business growth and service quality.
Portfolio Management
Monitor portfolio health and ensure quality sourcing.
Track delinquency and coordinate for collections and recovery activities.
Analyze business performance and implement corrective actions where necessary.
Training & Capability Building
Conduct product, process, and compliance training for BC partners and their staff.
Ensure BCs are updated on policy changes, new products, and regulatory requirements.
Compliance & Governance
Ensure adherence to bank policies, RBI guidelines, and operational procedures.
Monitor KYC, documentation, and customer onboarding processes.
Conduct audits and reviews of BC outlets as per prescribed guidelines.
Reporting & MIS
Prepare and submit business performance reports and territory MIS.
Track target achievement, productivity, and operational metrics.
Maintain accurate records of customer acquisitions and BC performance.
Key Requirements
Education
Graduate in any discipline.
MBA/PGDM preferred.
Experience
10-16 years of experience in sales, relationship management, microfinance, business banking, rural banking, or financial inclusion.
Experience in managing channel partners or Business Correspondents preferred.
Skills Required
Strong sales and relationship management skills.
Good understanding of banking products and processes.
Excellent communication and negotiation abilities.
Strong analytical and problem-solving skills.
Ability to manage multiple stakeholders and drive execution.
Proficiency in MS Excel and reporting tools.