Relationship Officer - Digital Sales

Established in 1985, Kotak Mahindra Bank is one of India's leading banking and financial services groups, offering a wide range of financial services that encompass every sphere of life. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.

The explosion of digital media has changed the way customers live and bank. Kotak Mahindra Bank is not just adapting to this change but anticipating it and staying one step ahead. It all begins with their people and a work culture designed for new-age banking.

With Kotak Mahindra Bank, customers can: 

• Find solutions to all their banking needs
• Obtain tailor-made solutions
• Go digital
• Seamlessly integrate across delivery channels
• View customized information reports

Their solutions across industries include:

• Long-term Finance
• Working Capital
• Structured Finance
• Debt Syndication
• Acquisition Finance 
• Trade & Supply Chain
• Services for Exporters & Importers
• Forex Services
• Payments 
• Collections 
• Account Maintenance 
• Escrow Services
• Digital Banking 
• Nodal Accounts 

Consumer Banking

• Focus- Provides a bouquet of products and services like deposits, lending solutions and transaction services for retail customers, small businesses, NRIs, retail Institutions, government departments and entities, backed by convenient, innovative and digital-first solutions.
• Offerings- Savings and Current Accounts, Term Deposits, Home Loans and Loans Against Property, Personal Loans, Consumer Finance, Business Banking, Credit Cards, Priority Banking, Small Business loans, Private Banking, Rural Housing, Business Loans, and FASTag.
• Key Highlights (FY22):
  • 35% growth in consumer assets
  • 39% growth in Home Loan and Loans Against Property loan book
  • 89% CASA and TDs below ₹5 cr as a percentage of total deposits 
  • Over 12 lakh new credit cards issued in FY 2021-22
  • 2 mn+ Kotak FASTag milestone crossed in March 2022

Corporate Social Responsibility

Kotak Mahindra Bank's vision is to positively contribute towards economic, environmental and social well-being of communities through their CSR agenda.

• Kotak Education Foundation (KEF) - Founded in 2006, KEF empowers young people from underprivileged families through various education-based initiatives and equips them with employable skills so they can grow and live with dignity. It offers livelihood support to children and youth from Below Poverty Line (BPL) families in Mumbai, Thane and Raigad regions.
• The Umang program acts as a catalyst for students from KEF partner schools in underprivileged communities to help them acquire the confidence to speak in English and thereby complete their secondary education. In a span of 10 years, over 22,000 students have benefited from the program.  
• Kotak Samridhi – a first-of-its-kind financial inclusion programme for milk-producing farmers will be launched on NPCI's RuPay platform. Farmers of registered milk unions in the Hooghly and Bardhaman districts of West Bengal receive payments against the supply of milk through the bank, using card products or accounts.
• Kotak Unnati is a livelihood programme that imparts employable skills to youth aged 18 to 25 years and supports them in becoming contributing members of their community, thus helping their families rise above the vicious circle of poverty. The 55-day training program anchor several domains like Building technical skills, Hospitality, Retail, Customer Relations, Basic IT, Sales, Banking Financial Services and Insurance (BFSI), Beauty and more.
• Digifarm - an online app-based platform for digitizing the KYC of farmers for corporate-linked farmer finance.