Opening For YP-RM

Yes Bank Ltd.; NTR; On-site; INR 600,000 - 900,000; Full time

Job summary

Yes Bank Ltd. seeks a Relationship Manager (Working Capital) to acquire MSME relationships and grow the asset and liability books through targeted credit facilities and diversified products.

The role requires proactive engagement with branches and MSME associations, deep knowledge of working capital, trade, and treasury products, and a focus on cross-selling to enhance wallet share.

Qualifications

• Bachelor's degree required.
• Master's degree preferred.
• Minimum 4 years of relevant experience.
• At least 2 years in a similar role.
• Experience in MSME relationship management desirable.

Responsibilities

• Acquire New to Bank MSME relationships through CRM and Knowledge Banking.
• Engage regularly with Branch Banking and MSME associations to meet MSME clients daily.
• Build Asset Book by extending Working Capital Facilities and Term Loans to MSME clients.
• Build Liability Book with Current Accounts, Savings Accounts and Fixed Deposits using Trade and Treasury products.
• Expand share of wallet via Cross Sell of POS machines, Salary Accounts, and Insurance/Wealth products.
• Collaborate with Risk, Operations and service teams to ensure better loan TAT.

Skills

CRM

MSME relationships

Relationship building

Knowledge Banking

Cross-sell

Education

Bachelor's degree

Master's degree preferred

Job description

Role & responsibilities-

Relationship manager ( Working capital)

Core Responsibilities

Acquisition of New to Bank MSME relationships through the CRM and Knowledge Banking

approach.

Regularly Engage with colleagues in Branch Banking, MSME Associations Office Bearers which shall

help in meeting Min. 2 MSME Clients on daily basis.

Build Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients

Build Liability Book comprising of Current Accounts, Saving Accounts and Fixed Deposits by offering

various Trade and Transaction products like Cash Management Services, Trade and Treasury

Products.

Enhance Book Profitability and Client stickiness by consistently seeking an opportunity to expand

share of wallet of the customer base through Cross Sell of POS (Merchants) Machines, Salary Accounts

for employees, Insurance (both Life and Non-Life) and various other Wealth Management Products

Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans

Responsibilities

Defines performance goals at the start of the year in discussion with the reporting manager and

ensures that the goals are monitored and achieved during the course of the year.

Takes ownership of his/her own learning agenda by identifying development needs in consultation

with the reporting manager and working towards bridging the gaps through various means which

go beyond just training.

Understands the competencies relevant to his/her role, and works towards displaying as well as

developing these effectively.

Keeps abreast of relevant professional/industry developments, new techniques and current issues

through continued education and professional networks.

Preferred candidate profile:

• Bachelors degree.
• Masters degree is preferred.
• A minimum of 4 years of relevant experience with at least 2 years in a similar role