Relationship Manager

Yes Bank Ltd.

Haridwar

On-site

INR 500,000 - 750,000

Full time

14 days+

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Job summary

Yes Bank Ltd. in Haridwar seeks a Relationship Manager to drive client acquisition and deepen existing relationships by offering a full range of banking products.

You will coordinate with internal teams to deliver superior service, meet risk and compliance standards, and aim for sustainable growth across assets, liabilities, and fee income. The role focuses on acquiring new-to-bank clients and expanding wallet share while maintaining strong governance, high service standards, and customer

Qualifications

Essential: Bachelor's degree in any field.
Preferred: Master’s degree.
2–5 years of BFSI experience.

Responsibilities

Acquire and deepen client relationships with a focus on assets, liabilities, and fee income.
Coordinate with internal teams to deliver banking solutions and ensure service quality.
Meet risk, compliance and VOC targets through proactive client engagement.
Drive cross-sell and wallet-share through a comprehensive product suite.
Lead portfolio growth strategies and ensure timely renewals and reviews.
Collaborate with risk and credit teams for portfolio health and approvals.

Skills

Customer

Leadership

Communication

Relationship management

Problem solving

Cross-sell

Education

Bachelor's degree in any field

Master's degree

Job description

ROLE INTRODUCTION

Job Title Relationship Manager

Reporting To Cluster Business Leader

Business Unit Commercial Banking

Grade/ Level G7

Sub Business Unit Medium Enterprises

Management Band Junior Management

Location Haridwar

SECTION II: JOB ROLE SCOPE

Number of Direct Reports NA

Financial Metrics (Budget, Revenue, etc.)

Gross Disbursement
Incremental AMB Book Growth (Asset AMB Book) Trailing 3 Months AQB calculations (Indicative only)
Incremental Non-Fund EOP
Total Income Forex income & Trade Fee & Processing Fee
Incremental CA BS AMB Growth Liabilities
Incremental TD BS AMB Growth Liabilities

Total Team Size NA

SECTION III: PURPOSE OF THE ROLE

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

Drive acquisition of new-to-bank clients and deepen existing relationships be delivering a comprehensive suite of banking products and solutions
Achieve agreed objectives across assets, liabilities, and fee income, with a focus on sustainable growth, cross-sell and increased wallet share
Meet clients’ requirements through seamless coordination with internal teams, ensuring superior service delivery, adherence to risk and compliance standards, and continuous improvement in VOC scores.

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.

Strategy & Planning

Formulate and execute client acquisition and portfolio growth strategies in alignment with the Bank’s overall business objectives.
Define performance goals at the beginning of the year in consultation with reporting managers and continuously track progress.
Translate market insights and client intelligence into actionable business plans.
Contribute to product and process enhancements by providing structured feedback from client and market interactions
Governance on Internal Audit
Retail Cross Sell
Retail Cross Sell
PF
FX
Liability NTB
Non-Fund (AYB)
CASA Growth (AYB)
Overdue Renewal
Trade Target
Fresh Slippages
Advances Growth (EOP)
Governance on Exceptions
PSL (NCF/WS/SMF) focused growth - Organic
Total NII (Asset + Liab)
Productivity
Asset NTB
Term Deposit Growth (AYB)
Product Penetration
Return Upliftment
Journey TAT
Liability Focus

Revenue Generation

Deliver financial targets relating to earnings, asset growth, liability mobilization, and fee income across multiple product groups.
Optimize profitability by balancing pricing, portfolio mix, and capital utilization.
Identify cross-selling opportunities to maximize wallet share and deepen client engagement

Relationship Management

Acquire and cultivate new client relationships by understanding their financial and strategic requirements
Act as the trusted advisor and single points of contact for clients, ensuring long-term partnership and retention
Drive superior customer experience through proactive engagement and high-quality service delivery

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

Maintain the highest standards of documentation, ensuring accuracy, completeness, and legal soundness
Ensure strict adherence to regulatory requirements (KYC, AML, FEMA, RBI guidelines)
Coordinate with risk, operations, and product teams to ensure seamless compliance across the transaction lifecycle.
Build expertise in both traditional and digital banking solutions, including CMS and API base offerings.

Self-Management Responsibilities

Define annual performance objectives with reporting managers and ensure consistent progress tracking
Take ownership of personal learning by identifying developments needs and bridging gaps through training, mentoring, and industry exposure
Demonstrate mastery of role-specific competencies and actively develop new capabilities
Stay abreast of industry developments, regulatory changes, and emerging best practices through continuous education and professional networking

Risk and Internal Control

Rigorously apply the Bank’s risk policies and frameworks to mitigate credit, operational, reputational, and compliance risks
Monitor early warning signals in the portfolio and initiate timely correction action
Ensure audit readiness through disciplined information management, documentation, and adherence to internal control systems
Promote a culture of compliance and risk awareness across all client and internal interactions

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 team: For assessment of working capital limits to clients.

OSD/CSD: For limit set up and trade transactions

External

Trade & Business Associations: For tie ups and generating leads for acquisition of Trade clients.

Interact with credit bureaus and relevant stakeholders

SECTION VI: ROLE PROFILE REQUIREMENTS

Minimum Qualification Which Are Essential To Execute The Role.

Education