Relationship Manager- MIB -Working Capital-Himmat Nagar /Unjha

Yes Bank; Unjha, Himatnagar; On-site; INR 600,000 - 900,000; Full time

Job summary

Yes Bank in Gujarat seeks a Business Banking MSME Relationship Manager to drive acquisition of New‑to‑Bank MSME relationships through CRM and Knowledge Banking.

You will build the asset book with Working Capital facilities and Term Loans, and grow liabilities with Current/Saving Accounts and Trade products.

Collaborate with Risk, Operations and Service teams to ensure faster loan onboarding, meet targets, and expand share of wallet via cross‑sell of POS machines and insurance.

Responsibilities

• Acquire New-to-Bank Business Banking MSME relationships through CRM and Knowledge Banking approach.
• Regularly engage with Branch Banking colleagues and MSME associations to meet at least 2 MSME clients daily.
• Build Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients.
• Build Liability Book comprising Current Accounts, Savings Accounts and Fixed Deposits by offering Trade and Transaction products.
• Enhance profitability by cross-selling POS machines, Salary Accounts, Insurance and Wealth Management products.
• Collaborate with Risk, Operations and Service teams to ensure faster loan delivery and smooth onboarding.

Job description

Job description

The role holder is responsible for acquisition of Newto–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.

• Acquisition of New to Bank Business Banking MSME relationships through the CRM and Knowledge Banking approach.
• Regularly Engage with colleagues in Branch Banking, MSME Associations Office Bearers which shall help in meeting Min. 2 MSME Clients on daily basis.
• Build Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients
• Build Liability Book comprising of Current Accounts, Saving Accounts and Fixed Deposits by offering various Trade and Transaction products like Cash Management Services, Trade and Treasury Products.
• Enhance Book Profitability and Client stickiness by consistently seeking an opportunity to expand share of wallet of the customer base through Cross Sell of POS (Merchants) Machines, Salary Accounts for employees, Insurance (both Life and Non-Life) and various other Wealth Management Products
• 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.