Relationship Manager

YES BANK; Kamrup Metropolitan; On-site; INR 600,000 - 900,000; Full time

Job summary

YES BANK in PAN India is seeking a Relationship Manager to drive acquisition and deepen client relationships across Commercial Banking for Medium Enterprises. You will offer a comprehensive suite of banking solutions, manage a diverse portfolio, and coordinate with internal teams to ensure superior service and compliant operations.

The role demands a focus on assets, liabilities, and fee income growth, with strong customer engagement and cross-selling capabilities.

Qualifications

• Essential: Bachelor’s degree in any field.
• Preferred: Master’s degree is preferred.
• 0-6 years of relevant experience with at least 0-3 years in a similar role.
• Experience in BFSI sector/General industry in Relationship manager’s role.

Responsibilities

• Drive acquisition of new-to-bank clients and deepen existing relationships by 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.

Skills

Relationship management

Customer focus

Communication skills

Sales mindset

Strategic thinking

Education

Bachelor’s degree in any field

Master’s degree (preferred)

Job description

Job Title

Relationship Manager

Reporting To

Cluster Business Leader

Job Code ID

COB5G66GG

Business Unit

Commercial Banking

Grade/ Level

G7

Sub Business Unit

Medium Enterprises

Management Band

Junior Management

Location

PAN India

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

• 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.

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

Core Responsibilities

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

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

Minimum Qualification Which Are Essential To Execute The Role.

Education

• Essential: Bachelor’s degree in any field
• Preferred: Master’s degree is preferred

Experience

Essential A minimum of 0-6 years of relevant experience with at least 0-3 years in a similar role

Prior experience in BFSI sector/General industry in Relationship manager’s role

Competencies

• Customer
• Professional Entrepreneurship
• Drive for Results
• Influence and Impact
• I Quality Focus
• Good knowledge of banking & trade finance products
• Good communication, interpersonal & presentation skills
• Strategist: Is future focused, self-driven
• Creates discipline in getting things done
• Positive & result oriented
• Develops people capabilities