Relationship Manager

YES BANK; Mumbai; Presencial; INR 800.000 - 1.200.000; Jornada completa

Descripción de la vacante

A leading financial institution in Mumbai is seeking an experienced Relationship Manager to join the Small Enterprises team. The role involves acquiring and managing clients with turnovers up to ₹100 Cr, ensuring high-quality portfolio management, and facilitating cross-selling of financial products. The ideal candidate should possess a degree in Finance or Commerce, along with 3-4 years of relevant experience in banking and strong communication skills.

Formación

• 3-4 years of experience in corporate/SME/ME banking.
• Strong understanding of credit analysis and financial statements.
• Excellent relationship management and communication skills.

Responsabilidades

• Source new-to-bank (NTB) clients in the small enterprise segment.
• Manage and deepen relationships with the existing client portfolio.
• Conduct financial analysis and prepare credit notes for clients.
• Liaise with internal credit teams for proposal discussions.
• Ensure timely renewals and monitor portfolio hygiene.
• Identify cross-selling opportunities across various products.

Conocimientos

Relationship management

Credit analysis

Financial statement comprehension

Communication skills

Business development

Educación

Graduate/Postgraduate in Finance, Commerce, or a related field

Descripción del empleo

Job Title: Relationship Manager / SM / AVP

Department: Small Enterprises (SE) - Working Capital Products

Experience: 3-4 years

Grade: SM / AVP

Role Summary

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover up to ₹100 Cr maintaining portfolio hygiene and actively engaging in cross‑selling financial products.

Key Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment with turnover up to ₹100 Cr. Identify opportunities through market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.
• Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank’s credit policies.
• Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings.
• Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.
• Cross‑Selling: Identify and capitalize on cross‑selling opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

Desired Candidate Profile

• Graduate/Postgraduate in Finance, Commerce, or a related field.
• 3-4 years of experience in corporate/SME/ME banking.
• Strong understanding of credit analysis and financial statements.
• Excellent relationship management and communication skills.
• Proven ability to drive business and manage risk effectively.