Regional Business Leader

YES BANK; Maharashtra; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

YES BANK is seeking a Regional Business Leader for the Pune region within Commercial Banking. The role drives end-to-end business performance for the Small Enterprises portfolio, leading Cluster Business Leaders and RM teams to deliver profitable, risk-adjusted growth across assets, liabilities, and fee income.

The incumbent will oversee strategy, risk governance, and ecosystem expansion, ensuring disciplined pipeline management and strong customer engagement within a multi-layer leadership

Qualifications

• Essential: PG – Any specialization, CA
• Preferred: PG – Any specialization, CA
• Essential: 18 years in Commercial Banking / MSME / Trade Finance
• Minimum 8 years in team leadership role managing multi-layer teams

Responsibilities

• Drive regional business plan aligned to Zonal and National objectives across assets, liabilities and fee income.
• Identify high-potential clusters, markets and ecosystem opportunities to scale the SE portfolio.
• Build anchor-led and supply-chain ecosystems to deepen market penetration.
• Ensure balanced growth between NTB acquisition and ETB deepening.
• Drive process efficiency and governance to improve onboarding and servicing timelines.
• Maintain portfolio quality within defined risk appetite and monitor EWS and NPAs.
• Lead Cluster Business Leaders and RM teams to deliver results and develop capability.

Education

PG – Any specialization, CA

PG – Any specialization, CA

Job description

SECTION I: ROLE INTRODUCTION

Job Title: Regional Business Leader

Reporting To: Zonal Head/National Head

Business Unit: Commercial Banking

Grade/ Level: G4

Sub Business Unit: Medium Enterprises

Location: Pune

SECTION II: JOB ROLE SCOPE

Number of Direct Reports: 3-5

Total Team Size: 25 - 30

SECTION III: PURPOSE OF THE ROLE

The Regional Business Leader is responsible for driving end-to-end business performance of the Small Enterprises portfolio across the assigned geography, through effective leadership of Cluster Business Leaders (CBLs) and their respective RM teams.

The role entails strategic planning, business delivery (Assets & Liabilities), portfolio quality management, ecosystem expansion, and team capability building, with a strong focus on profitability and risk-adjusted growth.

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

• Strategy and Planning:
  • Drive regional business plan aligned to Zonal and National objectives across:
  • Asset growth (Working Capital, Trade, Term Loans)
  • Liability franchise (CA/SA, CMS, float balances)
  • Fee income (Trade, FX, CMS)
  • Identify high-potential clusters, markets, and ecosystem opportunities to scale the SE portfolio
  • Build anchor-led and supply-chain ecosystems to deepen market penetration
  • Ensure balanced growth between NTB acquisition and ETB deepening.
• Policies, Processes & Procedures:
  • Ensure adherence to:
  • Regulatory and compliance standards
  • KYC / AML / trade compliance norms
  • Drive process efficiency and turnaround time (TAT) across onboarding & servicing
  • Strengthen data discipline, reporting accuracy, and governance frameworks
• Business Development:
  • Own delivery of regional budgets (Assets, Liabilities, Income, Fee)
  • Drive wallet share enhancement across existing relationships
  • Monitor and improve portfolio productivity metrics:
  • Income per RM
  • Limits vs utilisation
  • Cross-sell ratios (Trade / FX / CMS)
  • Ensure disciplined pipeline build-up and conversion tracking
  • Maintain portfolio quality within defined risk appetite
  • Proactively track and act on:
  • Early Warning Signals (EWS)
  • Slippages and NPA movement
  • Security erosion / inadequate collateral cases
  • Drive collateral hygiene (valuation, CERSAI, documentation)
  • Minimize additional provisioning impact through timely corrective actions
• People Management:
  • Build relationships with:
  • Key clients and promoters
  • Industry bodies, trade associations, consultants
  • Drive ecosystem-led sourcing (CA networks, vendor-dealer chains, etc.)
  • Enhance customer engagement and retention through structured coverage model

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

• MSME 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

• Essential: PG – Any specialization, CA
• Preferred: PG – Any specialization, CA

Experience

• Essential: 18 years in Commercial Banking / MSME / Trade Finance

Minimum 8 years in team leadership role managing multi-layer teams