Job Description

Job Category: KMBL
Degree Level: Bachelor's Degree
:
Key Responsibilities:

• Client Acquisition & Relationship Management:

• Develop new and expand existing HNI customer relationships through in-depth profiling.
• Match client needs with Kotak Group's product offerings.
• Ensure client contactability through regular weekly/monthly interactions.
• Sales & Revenue Generation:

• Generate business across:

• Liabilities: Current Accounts, Term Deposits.
• Assets: CC, OD, Term Loans, Export Finance.
• Fee Products: Trade, Forex, Insurance, Mutual Funds.
• Formulate and implement sales plans to acquire new HNI clients and grow relationship value.
• Portfolio Management:

• Conduct client portfolio reviews and recommend suitable products.
• Maintain complete relationship records for assigned accounts.
• Resolve client queries within defined turnaround times (TAT).
• Customer Experience & Compliance:

• Ensure high levels of customer service and adherence to bank policies.
• Coordinate with internal teams and group companies for seamless service delivery.
• Plan and execute special sales initiatives and client engagement events.

Candidate Requirements:

• Education: Graduate (mandatory); MBA/Postgraduate preferred.
• Experience: 4-13 years in banking or financial services, preferably in HNI relationship management.
• Certifications: AMFI / IRDA / NISM preferred.
• Skills:

• Strong interpersonal and communication skills.
• Decision-making ability with a sense of ownership.
• Expertise in Trade, Forex, and Commercial Assets.
• High energy, customer orientation, and a go-getter attitude.

Responsibilities: Acquire and expand relationships with HNI clients through strategic profiling and personalized engagement. Generate business across liabilities, assets, and fee-based products to enhance relationship value and revenue. Formulate and implement sales plans to onboard new HNI customers and grow the client base. Conduct regular portfolio reviews and present investment solutions tailored to client needs. Maintain consistent client contact through weekly/monthly calls and meetings. Resolve client queries within defined turnaround times (TAT) to ensure satisfaction. Ensure high standards of customer service and adherence to bank policies and regulatory guidelines. Educate clients on new products and enhancements to deepen banking relationships. Plan and execute special sales initiatives and client engagement events. Maintain complete and up-to-date relationship records for all assigned customer accounts. Collaborate with product managers and group companies to offer integrated financial solutions. Stay informed about market trends, competitor strategies, and regulatory updates.

Skills Required