Sr. Manager / AVP - RM (Small Enterprises - Working Capital)

Yes Bank; Kolkata District, Patna, Raipur; On-site; INR 8,00,000 - 12,00,000; Full time

Job summary

A leading Indian bank is seeking a Relationship Manager to join their Small Enterprises team in Kolkata. This role involves managing a portfolio, sourcing new clients, and ensuring high standards of portfolio hygiene while actively cross-selling financial products. Candidates should have over 5 years of experience in banking, excellent relationship management skills, and a strong understanding of credit analysis. Competitive compensation and growth opportunities are offered.

Qualifications

• 5+ years of experience in corporate/SME/ME banking.
• Strong understanding of credit analysis and financial statements.
• Proven ability to drive business and manage risk.

Responsibilities

• Source new-to-bank clients in the small enterprise segment.
• Manage and deepen relationships with existing clients.
• Prepare and evaluate financial analysis and credit notes.
• Liaise with internal credit teams for proposal discussions.
• Ensure timely renewals and monitor portfolio hygiene.
• Identify and capitalize on cross-selling opportunities.

Skills

Relationship management

Credit analysis

Communication skills

Business development

Education

Graduate/Postgraduate in Finance or Commerce

Job description

Job Title: Relationship Manager - SM / AVP

Department: Small Enterprises (SE) - Working Capital Products

Experience: 5+ years

Grade: SM / AVP

Role Summary

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 100 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 100 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 the bank's 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.
• 5+ 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.