Product Sales Manager

Yes Bank Ltd.; Coimbatore District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Yes Bank Ltd. in Coimbatore district is seeking an experienced professional to originate and manage Agri PSL/NCF credit through commodity finance, driving the end-to-end cycle from sourcing to repayment.

You will prepare credit proposals with business units, engage with underwriting, ensure portfolio quality, monitor delinquencies, and ensure adherence to PSL policies and regulatory requirements. Build strong relationships with business units, credit teams, warehouses and other stakeholders to

Responsibilities

• Sourcing Agri PSL & NCF cases through Commodity Finance & WC/TL and lead generation.
• Preparation of the Credit proposals along with BU and engagement with Credit in underwriting.
• End to end management of Commodity finance clients from sourcing to sanction and repayment.
• Post sanction documentation, Limit setup and other activities like empanelment of CM, warehouse addition, drawdowns, and releases for commodity cases with monthly interest and CM charges collection.
• Monitoring and close follow up with clients to ensure portfolio quality
• Adhere to Bank’s PSL strategy, processes, PSL & Credit policies, regulations, etc while generating Agri PSL assets.

Job description

• Sourcing / lead generation of Agri PSL & NCF cases through Commodity Finance & WC/ TL.
• Preparation of the Credit proposals along with BU and engagement with Credit in underwriting.
• End to end management of Commodity finance clients from sourcing to sanction and repayment.
• Post sanction documentation, Limit setup and other activities like empanelment of CM, warehouse addition, drawdowns, and releases for commodity cases along with collection of monthly interest and CM charges.
• Monitoring and close follow up with clients to ensure portfolio quality
• To adhere to Bank’s PSL strategy, processes, PSL & Credit policies, regulations, etc while generating Agri PSL assets.

Strategy and Planning

• Sourcing / lead generation of Agri PSL & NCF cases through Commodity Finance & WC/ TL.
• Preparation of the Credit proposals along with BU and engagement with Credit in underwriting.
• End to end management of Commodity finance clients from sourcing to sanction and repayment.
• Post sanction documentation, Limit setup and other activities like empanelment of CM, warehouse addition, drawdowns, and releases for commodity cases along with collection of monthly interest and CM charges.
• Monitoring and close follow up with clients to ensure portfolio quality
• To adhere to Bank’s PSL strategy, processes, PSL & Credit policies, regulations, etc while generating Agri PSL assets.

Policies, Processes & Procedures

• To adhere to Bank’s PSL strategy, processes, PSL & Credit policies, regulations, etc while generating Agri PSL assets.

Business Development

Drive growth in Agri PSL, PSL, NCF, Commodity Finance, Weaker Section, and assigned business portfolios through proactive sourcing, lead generation, and client acquisition.
Identify and onboard new Agri PSL clients while expanding the commodity-backed loan book and ensuring achievement of asset generation targets.

Performance Monitoring & Reporting

Monitor portfolio performance, asset growth, delinquencies, and PSL classification accuracy to ensure compliance with business objectives and regulatory requirements.
Track and report key business metrics, including Agri PSL, PSL, NCF asset generation, commodity finance performance, and direct Opex management.

Relationship Management

Build and maintain strong relationships with Business Units, Credit teams, Commodity Managers, warehouses, and other stakeholders to facilitate seamless credit processing and portfolio management.
Collaborate closely with internal and external partners for credit proposal preparation, underwriting, documentation, drawdowns, releases, and post-sanction activities.

Customer Relationship Management

Manage commodity finance clients end-to-end, from sourcing and sanction to repayment, ensuring high levels of customer service and engagement.
Maintain regular interactions with clients to support business growth, resolve operational issues, ensure timely interest collections, and strengthen long-term relationships

Risk and Internal Control

Ensure adherence to the Bank’s PSL strategy, credit policies, regulatory guidelines, and internal processes while originating and managing Agri PSL assets.
Monitor portfolio quality by controlling delinquencies, conducting regular follow-ups, and ensuring accurate PSL classification and risk mitigation.