Small Enterprises - Relationship manager

Yes Bank; Ahmedabad District; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Yes Bank in Ahmedabad is seeking a Relationship Manager for its Small Enterprises (SE) team. The RM will source NTB clients with turnover up to 150 Cr, manage a growing portfolio, and coordinate with internal credit teams to structure proposals.

The role emphasizes credit analysis, portfolio hygiene, and cross-selling across products like trade finance, treasury, cash management, insurance, and working capital solutions. 2-3 years in SME banking is preferred.

Qualifications

• Graduate/Postgraduate in Finance, Commerce, or a related field.
• 2-3 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.

Responsibilities

• Source new-to-bank (NTB) clients in the small enterprise segment with turnover up to 150 Cr.
• Manage and deepen relationships with the existing client portfolio.
• Conduct financial analysis and prepare detailed credit notes for new and existing clients.
• Liaise with internal credit teams for proposal discussions and approvals.
• Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals.
• Identify and capitalize on cross-selling opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

Job description

Job Title: Relationship Manager

Department: Small Enterprises (ME)

Experience: 3 - 8 Years

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover up to 150 Cr maintaining portfolio hygiene and actively engaging in cross-selling financial products.

Key Responsibilities:

1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment with turnover up to 150 Cr. Identify opportunities through market intelligence, references, and industry networking.

2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.

3. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with banks credit policies.

4. 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.

5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.

6. Cross-Selling: Identify and capitalize on cross-selling 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.
• 2-3 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.