Relationship Manager

YES BANK; Mumbai; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

YES BANK is seeking a dynamic Relationship Manager for its Middle Enterprises team. You will source and manage a portfolio with ₹100 Cr to ₹500 Cr turnover, maintaining portfolio hygiene and actively cross-selling financial products.

The role requires 3–4 years of experience in corporate/SME/ME banking, with strong credit analysis and relationship management skills. You will liaise with credit teams and drive business growth while managing risk.

Qualifications

• Graduate or postgraduate in Finance, Commerce, or 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.

Responsibilities

• Client Acquisition (NTB): Source NTB clients in the ME segment with turnover between ₹100 Cr to ₹500 Cr.
• Portfolio Management: Deepen relationships and ensure client satisfaction and retention.
• Credit Note Preparation: Analyze finances and prepare credit notes per policies.
• Sanction Process & Stakeholder Coordination: Coordinate with internal credit teams for proposals and approvals.
• Portfolio Hygiene: Ensure renewals, limits, documentation, and monitor early warning signals.
• Cross-Selling: Identify and capitalize on cross-sell opportunities across trade finance, treasury, cash management, insurance, and working capital.

Skills

Relationship management

Credit analysis

Communication skills

Cross-selling

Education

Graduate/Postgraduate in Finance/Commerce

Job description

Role Summary

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products.

Job Title: Relationship Manager

Department: Mid Corporates (MC)

Experience: 3–4 Years

Grade: Manager to AVP

Role Summary

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 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 medium enterprise segment with turnover between ₹100 Cr to ₹500 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-sell 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.