Relationship Manager Acquisition

Yes Bank Ltd.; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Yes Bank Ltd. in Bengaluru is seeking a skilled professional to acquire New-to-Bank MSME Business Banking relationships and grow the asset book through Working Capital facilities and Term Loans. You will assess facilities, monitor performance and ensure compliant onboarding of clients.

The role requires robust due diligence, strong analytical abilities, and collaboration with risk, operations, and service teams to deliver timely loan processing while achieving business targets.

Qualifications

• Excellent Analytical skills.
• Strong written and verbal communication.
• Proficiency in MS Office.
• Ability to manage complex client situations.
• Good knowledge of regulatory guidelines.
• Follows risk policy and controls.
• Commitment to confidentiality and compliance.

Responsibilities

• Acquire New-to-Bank MSME Business Banking relationships.
• Build Asset Book with Working Capital Facilities and Term Loans.
• Assess and monitor facilities sanctioned and client performance.
• Conduct due diligence to mitigate risks.
• Prepare and present Credit Proposals to sanction authorities.
• Collaborate with Risk, Operations and Service teams for faster loan delivery.
• Meet targets for revenue and productivity.
• Keep updated on regulatory guidelines.

Skills

Analytical skills

Verbal & written communication

MS Office proficiency

Client management

Regulatory knowledge

Risk awareness

Confidentiality & compliance

Job description

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.

• Assess and monitor facilities being sanctioned to clients along with monitoring of business performance and account conduct
• Ensure portfolio/client level exceptions are minimum and in control.
• Analysis of Financial and Bank Statements of the clients
• Assessing requirements for Credit Facilities including Working Capital, Trade Finance, and Term Loans etc. for the Business Banking/SME space.
• Carry out Due Diligence of clients to mitigate various associated risks
• Industry Analysis and Benchmarking against Industry standards
• Prepare and present Credit Proposal to the sanction authorities.
• Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client
• Meeting the Targets - Both in respect of bottom line as well as top line by constantly enhancing the Productivity
• 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
• 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.
• Excellent analytical skills
• Strong written and verbal communication skills
• Fully conversant with MS Office
• Ability to manage complex client situations
• Sensitive to issues of confidentially and compliance
• Strong sense of accountability and self-initiative
• Good Market knowledge of ‘Business Banking’
• Good knowledge of regulatory guidelines