Relationship Manager

YES BANK; Vadodara; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

YES BANK is seeking a seasoned professional for New-to-Bank Business Banking MSME relationships. The role focuses on acquiring clients through CRM and knowledge banking, and building asset books with working capital facilities and term loans to MSMEs.

The candidate will evaluate credit profiles, structure financial solutions, and explore cross-sell opportunities while maintaining documentation quality and risk controls. 5–7 years of relevant lending experience is preferred.

Qualifications

• Minimum Qualifications: CA/Master's degree in Financial Management is preferred.
• Professional Certifications: CA/CFA/MBA/PGDM; AMFI/NCFM/IRDA/Trade Finance certifications will be an added advantage.
• Language Skills: Written and spoken English is essential.
• Experience: A minimum of 5-7 years of relevant experience.
• Nature of Experience: Prior experience in Lending SME/Mid Market.

Responsibilities

• Identify and prospect new clients by performing market segmentation and research analysis on industries/clients/markets.
• Responsible for origination, structuring and implementation of financial solutions for clients as per Mid Markets definition.
• Evaluating credit profile of companies and structuring suitable financial solutions for them including structured finance, project finance, off-balance sheet finance, etc.
• Explore opportunities for cross selling of products and services based on understanding of banking products and client analysis; expand share of wallet.
• Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per budgets/targets from client relationships across all product groups.
• Monitor the performance of account clients and define De-risk strategy proactively.
• Maintain high quality standards of documentation, client communication, process compliance.

Skills

Market segmentation & research

Client acquisition

Credit structuring

Negotiation

Education

CA or Master's in Financial Management preferred

Job description

SECTION II: ROLE SUMMARY

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.

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities

NA

Core Responsibilities

• Identify and prospect new clients by performing market segmentation and research analysis on industries/clients/markets.
• Responsible for origination, structuring and implementation of financial solutions for clients as per Mid Markets definition.
• Evaluating credit profile of companies and structuring suitable financial solutions for them including structured finance, project finance, off-balance sheet finance, etc.
• Explore opportunities for cross selling of products and services based on thorough understanding of banking products and service and client analysis. Actively and consistently seek an opportunity to expand share of wallet of the customer base
• Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups.
• Monitoring the performance of the account clients on a regular basis and define De-risk strategy proactively
• Sustain and build client relationships by maintaining ongoing communication and negotiation with clients so as to deliver both quality and tailored service offerings.
• To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group.

People Management Or Self-Management Responsibilities

• 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.

Risk And Internal Control Responsibilities

• 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.

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

Risk Management

• For coordinating on all aspects to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client

Branch Banking

• For coordinating on acquisition of New-to-Bank Business Banking MSME relationships through the CRM.

Key External Interactions

Purpose of Interaction

MSME Associations

• For coordinating on acquisition of New-to-Bank Business Banking MSME relationships through the Knowledge Banking approach.

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications

• CA/Master's degree in Financial Management is preferred.

Professional Certifications

• CA/CFA/MBA/PGDM
• AMFI/NCFM/IRDA/Trade Finance certifications will be an added advantage

Language Skills

• Written and spoken English is essential

Experience

Years of Experience

• A minimum of 5-7 years of relevant experience.

Nature of Experience

• Prior experience in Lending SME/Mid Market