Cluster Business Leader

YES BANK

Pune District

Remote

INR 1,800,000 - 3,000,000

Full time

4 days ago

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Job summary

Yes Bank Ltd. is seeking a Cluster Business Leader to manage a team of Relationship Managers across the Middle Market segment. The role focuses on client acquisition, deepening relationships, and delivering a full suite of banking products with strong risk discipline.

The candidate will engage promoters and top management, drive revenue growth, and ensure portfolio profitability while maintaining high service standards and governance.

Qualifications

Bachelor’s degree is essential.
Master’s degree is preferred.

Responsibilities

Lead, mentor, and motivate Relationship Managers to achieve business and service objectives.
Build a high-performance culture through training, performance monitoring, and succession planning.
Engage and maintain relationship with top management and promoters of the client on regular basis.
Understand the promoters/top management’s financial needs and challenges and provide suitable solutions for it.
Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets/targets from client relationship across all product groups.
Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services.
Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank.
Undertake brand communication initiatives to reinforce the Bank’s positioning in the market.

Education

Bachelor’s degree in any field

Master’s degree is preferred

Job description

SECTION I: ROLE INTRODUCTION

Outlines the basic information of the role.

Job Title

Cluster Business Leader

Reporting To

Team Leader/ Regional Business Leader

Job Code ID

COB1G55TB

Business Unit

Commercial Banking

Grade/ Level

Upto G5

Sub Business Unit

Medium Enterprises

Management Band

Middle Management

Location

PAN India

SECTION II: JOB ROLE SCOPE

Outlines the count of employees reporting and financial metrics of the role.

Number of Direct Reports

3-5

Financial Metrics (Budget, Revenue, etc.)

Cost Centre

Total Team Size

3-5

SECTION III: PURPOSE OF THE ROLE

A two-to-three-line statement outlining the objective or the reason for which the job exists.

Lead and manage a team of Relationship Managers to acquire, deepen, and service clients in the Middle Market Segment (100 -500 Cr Turnover), ensuring portfolio growth and profitability
Deliver the entire suite of the Bank’s products and solutions across lending, liabilities, trade, treasury, and fee-based offerings, aligned with client needs and the Bank’s strategic objectives
Strengthen long-term relationships with promotors, top management and decision makers while maintaining strong risk discipline, compliance, and superior client experience.

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE

These responsibilities are representative, and the role holder is also responsible for any other job assigned by the superior authorities from time to time. This section in not intended to be an exhaustive listing of all activities done by the role holder. It should capture only the key responsibilities of the role.

Metrics that are used to evaluate the success / performance of the role; specific targets do not need to be included as those would change from Y-o-Y.

Responsibilities

KPIs

Strategy & Planning

Develop and implement business strategies for client acquisition, revenue growth, and portfolio profitability within the assigned segment
Identify new business opportunities and cross-sell opportunities across banking products
Align portfolio objectives with the bank’s long-term growth strategy and risk appetite
Product Penetration
Journey TAT
Overdue Renewal
Return Upliftment
Processing Fee
Retail Cross Sell
FX
Total NII (Asset + Liab)
Liability NTB
Non-Fund (AYB)
CASA Growth (AYB)
PSL (NCF/WS/SMF) focused growth - Organic
Fresh Slippages
Asset NTB
Advances Growth (EOP)
Trade
Term Deposit Growth (AYB)
Productivity
Governance on Internal Audit
Liability Focus
Governance on Exceptions

Core Responsibilities

Team Management

Lead, mentor, and motivate Relationship Managers to achieve business and service objectives
Build a high-performance culture through training, performance monitoring, and succession planning

Promoter/ Top Management Relationship

Engage and maintain relationship with top management and promoters of the client on regular basis
Understand the promoters / top management’s financial needs and challenges and provide suitable solutions for it

Revenue Generation

Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups

Relationship Management

Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services
Manage the client relationships by handling activities ranging from identifying client’s financial needs, advising, structuring the deal, preparing the terms and conditions and closing the dealAssess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank

Communication/PR of Bank’s products

Undertake brand communication initiatives to reinforce the Bank’s positioning in the market.
Effectively articulate product value propositions through structured presentation, workshops, and client meetings
Differentiate the Bank’s offerings from competition through solution-driven engagement.

Market Research

Demonstrate deep understanding of clients’ industries, market conditions, and competitive landscape through primary and secondary research.
Anticipate client needs by analyzing sectoral trends, regulatory changes, and economic conditions
Provide actionable insights to product, credit and strategy teams for portfolio development

Credit Appraisal

Conduct rigorous analysis of client financials including income statements, balance sheets, cash flows, ratios and projections
Evaluate management quality, industry risk, and economic factors to structure sound credit proposals.
Ensure timely renewals, reviews and continuous monitoring of portfolio exposures

Documentation and Compliance

To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group

People Management

Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the section.
Develops talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals.

Risk and Internal Control

Implements the risk policies and processes (operational, regulatory, financial, informational, reputational and audit risks), ensuring that that these meet regulatory and internal requirements.
Implements the internal control systems in the department and participates in the departmental audits.
Implements practices to bridge gaps identified during departmental audits.

SECTION V: OPERATING NETWORK

Key interactions which are essential to execute the role. This will include both internal (excluding sub-ordinates) and external stakeholders.

Internal

Risk / Credit / Underwriting teams → for limit approvals & portfolio quality

Product teams (Trade, CMS, FX) → for revenue maximization

Operations / CAD / CAG → for smooth execution

External

ME customers, promoters, Trade Associations, Industry bodies

Channel partners, consultants, CA network

SECTION VI: ROLE PROFILE REQUIREMENTS

Minimum Qualification Which Are Essential To Execute The Role.

Education