Looking for a rewarding banking career with one of India’s fastest growing banks? The Kotak IGNITE HAU (Hardship Assistance Unit) Programme, in association with UNext Manipal Academy of BFSI, is your gateway to a job-assured role as a Customer Assistance Manager at Kotak Mahindra Bank.
✅ ₹4,50,000 P.A. Salary + Additional Incentives
✅ ₹1,00,000 Assured Bonus (paid in 2 tranches)
✅ Customer Assistance Manager – HAU Role
✅ 4-Month Program (2 months campus + 2 months internship)
✅ ₹30,000 Total Stipend during training
✅ 100% Job Assurance with Kotak Mahindra Bank
Program Overview – At a Glance
- Program Name: Kotak IGNITE HAU (Hardship Assistance Unit) Programme
- Bank Partner: Kotak Mahindra Bank Ltd.
- Training Partner: UNext Manipal Academy of BFSI
- Job Role: Customer Assistance Manager – HAU
- Salary Package: ₹4,50,000 P.A. + Additional Incentives
- Assured Bonus: ₹1,00,000 (₹50,000 after Year 1 + ₹50,000 after Year 2)
- Program Duration: 4 Months (2 months campus + 2 months internship)
- Training Stipend: ₹30,000 total (₹5,000 campus + ₹25,000 internship)
- Program Fee: ₹1,80,000 + GST
- Job Location: Kotak Bank branches across India
About the Programme
Kotak Mahindra Bank, in association with UNext Manipal Academy of BFSI, presents a job-assured programme designed to launch your career in the vital field of Hardship Assistance Unit (HAU) .
This programme offers specialized expertise, empowering you to:
- 🤝 Manage Complex Lending Solutions – Handle restructuring, repayment plans, customer negotiations
- 🆘 Provide Crucial Customer Support – Assist customers during financial challenges
- 📊 Regulatory Compliance – Ensure adherence to RBI guidelines on hardship cases
- 💼 Financial Counseling – Guide customers through difficult financial situations
Program Structure & Financial Benefits
Program Timeline
Stage 1: Campus Training (2 Months)
- Location: Manipal Campus, Bangalore
- Stipend: ₹5,000 per month
- Activities: Classroom training, simulations, case studies
Stage 2: Internship (2 Months)
- Location: Kotak Bank Branches
- Stipend: ₹25,000 per month
- Activities: On-ground experience in HAU operations
Total (4 Months): ₹30,000 – Complete training + practical exposure
Financial Rewards – Complete Breakdown
- Campus Training Stipend: ₹5,000/month (During 2-month campus training)
- Internship Stipend: ₹25,000/month (During 2-month internship)
- Total Stipend: ₹30,000 (During 4-month program)
- Fixed Salary (Annual): ₹4,50,000 P.A. (After joining as Customer Assistance Manager)
- Additional Incentives: Variable (Performance-based)
- Assured Bonus – Year 1: ₹50,000 (After completing 1 year of service)
- Assured Bonus – Year 2: ₹50,000 (After completing 2 years of service)
- Total Assured Bonus: ₹1,00,000 (Over first 2 years)
Eligibility Criteria – Who Can Apply?
- Qualification: Any Graduate from recognized University
- Percentage: Minimum 60% in Under Graduation
- Age Limit: 27 Years and below at time of application
- Gender: Any (Male/Female)
- Experience: Freshers eligible
Selection Process – Step by Step
Step 1: Registration – Online application form
Step 2: Online Assessment – Aptitude tests (quantitative, logical, verbal)
Step 3: Interview – Personal interview with Kotak Mahindra Bank panel
Step 4: Provisional Offer Letter – Conditional job offer issued
Step 5: Training + Internship – 4-month program at Manipal campus + Kotak branches
Step 6: Join Kotak Mahindra Bank – Full-time employment as Customer Assistance Manager
Program Fee & Investment
- Programme Fee: ₹1,80,000 + GST
- What’s Included:
- Training & tuition
- Android Tablet
- Boarding & Lodging (2 months campus)
- Study materials
- Certification
- Education Loan: Available through partner banks – our team can guide you
Training Details – What to Expect
2-Month Campus Training at Manipal Academy of BFSI
- Location: Manipal Academy of BFSI Campus, Bangalore
- Duration: 2 Months (Intensive)
- Mode: Fully residential
- Stipend: ₹5,000 per month
- Accommodation: Boarding & lodging included in fee
Key Learning Areas
Hardship Assistance Fundamentals
- Understanding customer distress, restructuring options
Lending Solutions
- Loan modifications, repayment plans, forbearance
Regulatory Framework
- RBI guidelines on hardship cases, fair practices code
Customer Communication
- Negotiation skills, empathy training, conflict resolution
Financial Counseling
- Assessing customer financial situation, suggesting solutions
Compliance & Documentation
- Proper case documentation, regulatory reporting
2-Month Internship at Kotak Bank Branches
- Location: Kotak Mahindra Bank branches across India
- Duration: 2 Months
- Stipend: ₹25,000 per month
- Learning: Real-world HAU case handling, customer interactions
Job Role – Customer Assistance Manager (HAU)
What You’ll Do at Kotak Bank
- Handle Hardship Cases – Manage customer requests for loan restructuring, payment relief
- Assess Financial Situations – Evaluate customer financial distress and suggest appropriate solutions
- Negotiate Repayment Plans – Work with customers to create feasible repayment schedules
- Ensure Compliance – Follow RBI guidelines and bank policies on hardship assistance
- Document Cases – Maintain proper records of all hardship cases and resolutions
- Customer Support – Provide empathetic and effective support during challenging times
Career Growth Path at Kotak Bank
- Year 1-2: Customer Assistance Manager – HAU → ₹4.5-5.5 LPA
- Year 3-5: Senior HAU Manager → ₹6-8 LPA
- Year 5-8: HAU Team Lead → ₹9-12 LPA
- Year 8+: HAU Department Head / Regional Manager → ₹12-18 LPA+
Why Choose Kotak IGNITE HAU Programme?
- 🏦 Top Bank Brand – Start your career with Kotak Mahindra Bank – a trusted financial giant
- 💰 Excellent Package – ₹4.5 LPA + ₹1 lakh bonus + performance incentives
- 🎓 Specialized HAU Role – Build expertise in high-value hardship assistance – a critical banking function
- 💵 Earn While Learning – ₹30,000 total stipend during 4-month program
- 🏠 Residential Training – All-inclusive campus experience at Manipal, Bangalore
- 📈 Clear Career Path – Structured growth to leadership roles in HAU
- ✅ 100% Job Assurance – Confirmed placement upon successful completion
Application is Closed for Current Batch, Fill the form for Next Batch
*Next batch starts after September / October (Kotak Operations is currently available)
Frequently Asked Questions (FAQ)
A: The training is conducted by UNext Manipal Academy of BFSI in association with Kotak Mahindra Bank.
A: Yes, boarding and lodging are included in the program fee for the 2-month campus training at Manipal, Bangalore.
A: The program requires completed graduation, but final year students can check specific eligibility with admission counselors.
A: Yes, certification from Manipal Academy of BFSI is highly regarded in the banking industry.
A: You need:
Any Graduate from recognized university
Minimum 60% in Under Graduation
27 years or below age
Any gender
A: The program fee is ₹1,80,000 + GST, covering training, tablet, boarding, and lodging.
A: The ₹1,00,000 assured bonus is paid as:
₹50,000 after completing 1 year of service
₹50,000 after completing 2 years of service
A: HAU stands for Hardship Assistance Unit – a specialized department that helps customers facing financial difficulties.
A: You will:
Handle customer hardship cases
Manage loan restructuring
Provide financial counseling
Ensure regulatory compliance
A: Yes, freshers are eligible to apply. No prior work experience is required.
A: The age limit is 27 years and below at the time of application.
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