Relationship Manager

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

Job summary

Yes Bank Ltd. is seeking a proactive professional to drive acquisition of New-to-Bank Business Banking MSME relationships using CRM and knowledge-building approaches.

The role focuses on building the asset book through Working Capital facilities and term loans for MSME clients, while ensuring compliance and risk controls. The candidate will assess facilities, monitor client performance and prepare credit proposals for sanction, coordinating with Risk and Operations to ensure timely loan delivery

Qualifications

• Excellent analytical skills.
• Strong written and verbal communication skills.
• Fully conversant with MS Office.
• Ability to manage complex client situations.
• Sensitive to confidentiality and compliance.
• Strong sense of accountability and self-initiative.
• Good Market knowledge of ‘Business Banking’.
• Good knowledge of regulatory guidelines.

Responsibilities

• Acquire New-to-Bank Business Banking MSME relationships via CRM and Knowledge Banking.
• Build asset book by extending Working Capital Facilities and Term Loans to MSME clients.
• Assess and monitor facilities sanctioned to clients and monitor business performance.
• Ensure portfolio/client level exceptions are minimal and controlled.
• Analyze financials and bank statements of clients.
• Assess credit facilities including working capital, trade finance, and term loans.
• Perform due diligence to mitigate risks.
• Conduct industry analysis and benchmarking.
• Prepare and present credit proposals to sanction authorities.
• Collaborate with Risk, Operations and Service teams to improve loan delivery and onboarding.

Skills

Excellent analytical skills

Strong written and verbal comms

MS Office proficiency

Client management - complex scenarios

Confidentiality and compliance

Accountability and initiative

Business Banking knowledge

Regulatory guidelines knowledge

Tools

MS Office

Job description

The role holder is responsible for acquisition of New–to–Bank Business Banking MSME relationships through the CRM and Knowledge Banking approach. The role holder is also responsible for building Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients.

• Assess and monitor facilities being sanctioned to clients along with monitoring of business performance and account conduct
• Ensure portfolio/client level exceptions are minimum and in control.
• Analysis of Financial and Bank Statements of the clients
• Assessing requirements for Credit Facilities including Working Capital, Trade Finance, and Term Loans etc. for the Business Banking/SME space.
• Carry out Due Diligence of clients to mitigate various associated risks
• Industry Analysis and Benchmarking against Industry standards
• Prepare and present Credit Proposal to the sanction authorities.
• Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client
• Meeting the Targets - Both in respect of bottom line as well as top line by constantly enhancing the Productivity
• 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.
• Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by the departmental manager.
• Executes the established internal control systems and compiles relevant information for departmental audits, as necessary.

• Excellent analytical skills
• Strong written and verbal communication skills
• Fully conversant with MS Office
• Ability to manage complex client situations
• Sensitive to issues of confidentially and compliance
• Strong sense of accountability and self-initiative
• Good Market knowledge of ‘Business Banking’
• Good knowledge of regulatory guidelines