Relationship Manager Small Enterprises

YES BANK; Indore District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

YES BANK is seeking a Relationship Manager for Small Enterprises to drive revenue by managing SME client relationships and delivering bank solutions across product groups.

You will acquire new clients, assess needs, and structure transactions while ensuring compliance and risk controls are maintained. The role focuses on working capital and credit solutions for SMEs within a dynamic banking environment.

Qualifications

• Seek and acquire new client relationships by understanding customers' financial needs and offering bank products.
• Manage client relationships by identifying needs, advising, structuring deals and closing.
• Assess banking needs and risks to optimize risk-reward for the Bank.

Responsibilities

• Achieve bank earnings/assets/credit targets from client relationships across all product groups.
• Acquire new clients and provide suitable bank solutions.
• Identify client needs, advise, structure deals and close.
• Communicate product positioning and differentiate YES Bank products in the market.
• Conduct market research on customers, competition and current market conditions.
• Appraise proposals using detailed analysis of income statements, balance sheets, ratios and cash flows.
• Maintain high-quality documentation and compliance with partners and risk management.
• Define annual goals with the reporting manager and pursue self-improvement.
• Follow risk policy and processes to mitigate operational, regulatory, financial, informational, reputational and audit risks.

Skills

Relationship management

Financial analysis

Credit appraisal

Market research

Negotiation

Job description

Relationship Manager - Small Enterprises

Turnover - up to 100cr

Ticket Size - 1cr-10cr

Product - Working capital

Core Responsibilities

Revenue Generation

• Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups

Relationship Management

• Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services
• Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal
• Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank

Communication/PR of Bank's products

• Undertakes brand communication initiatives for designated products
• Communicates product positioning messaging that differentiates YES Bank’s products in the market

Market Research

• Illustrates understanding of consumers, competition and current market conditions through primary and secondary research

Credit Appraisal

• Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions

Documentation and Compliance

• To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group

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 departmental manager.

Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.