This is an Internal document.
Lead – Asset Cross-Sell
Role Summary
The Lead – Asset Cross-Sales is responsible for driving revenue growth by cross-selling asset products to existing and new customers. This role focuses on identifying opportunities within the customer base, collaborating with relationship managers and product teams, and building scalable cross-sell strategies to improve asset penetration and profitability.
Key Responsibilities Develop and execute cross-sales strategies for asset products (e.g., loans, mortgages, investments, leasing, credit products). Identify cross-sell opportunities across customer segments using data, analytics, and customer insights. Work closely with sales, relationship management, and product teams to drive cross-sell initiatives. Own cross-sell targets, revenue metrics, and asset growth KPIs. Design and implement customer journeys, campaigns, and offers to increase asset uptake. Train and enable frontline sales teams on cross-sell products, pitches, and processes. Monitor pipeline, conversion rates, and performance dashboards; take corrective actions as needed. Ensure compliance with regulatory, credit, and risk policies in all sales activities. Gather market and customer feedback to improve product fit and cross-sell effectiveness. Build partnerships with internal stakeholders to streamline approvals and improve turnaround time.
Key Skills & Competencies Strong understanding of asset products and financial services cross-selling Proven sales leadership and stakeholder management skills Data-driven mindset with ability to interpret MIS, dashboards, and trends Customer-centric approach with strong negotiation and communication skills Strategic thinking with hands-on execution capability Knowledge of credit, risk, and compliance frameworks
This is an Internal document.
Qualifications Bachelor’s degree in Business, Finance, Economics, or related field MBA or equivalent qualification preferred
Experience 15–25 years of experience in asset sales, cross-sales, or relationship management Prior experience in banking, NBFC, fintech, or wealth management preferred Experience leading cross-functional sales initiatives is a plus
Success Metrics Asset cross-sell revenue and portfolio growth Cross-sell conversion and penetration rates Customer retention and wallet share Sales productivity and campaign effectiveness
About Kotak Mahindra Group:
Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. 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 consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012.
The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at https://www.kotak.bank.in/en/home.html
