Walk-in | Relationship Manager YP

Yes Bank Ltd.; Karnataka; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Yes Bank Ltd. seeks a Relationship Manager to deepen existing client relationships and acquire new ones, acting as the primary contact for managed clients. The role focuses on growing liabilities and investments, cross-selling products, and maintaining high service standards.

The ideal candidate has a minimum 2 years in BFSI, with English proficiency and relevant certifications. Prior experience in wealth management and regulatory compliance is advantageous.

Qualifications

• Bachelor's degree is required.
• Master's degree is preferred for advanced roles.
• AMFI/NCFM/IRDA/JAIIB/CAIIB or similar certifications add value.
• Written and spoken English is essential.
• At least 2 years of relevant BFSI experience with 1 year in a similar role.

Responsibilities

• Manage banking and investments relationships and drive Liabilities & Investments growth.
• Deepen client relationships and increase wallet share through financial solutions.
• Engage with mapped clients to ensure service and sales satisfaction.
• Identify opportunities for revenue through mutual funds, insurance, cards and forex.
• Ensure compliance with RBI/SEBI/AMFI/IRDA policies and KYC norms.

Skills

English proficiency

Education

Bachelor's degree

Master's degree preferred

AMFI/NCFM/IRDA/JAIIB/CAIIB certifications

Job description

SECTION I:

BASIC INFORMATION
Job Title Relationship Manager Functional Title RM Yes Premia
Grade Assistant Manager / Deputy Manager

SECTION II: ROLE SUMMARY

The role holder is responsible for deepening existing client relationships or acquiring those that are new to bank. The incumbent must act as a one point of contact for managed clients and leverage opportunities to increase overall wallet share in accordance with the financial needs of the customer.

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Core
Responsibilities
Relationship Management :
Manages the banking and investments relationship and is responsible for overall growth of Liabilities
& Investment business from branch/retail customers
Develops, manages, and expands customer relationships by providing service level which exceeds
client expectations of most important customer segment
Identifies current and potential relationship with additional revenue potential and grow business
volumes for larger share of customer wallet
Generating Incremental Business
Sales targets spread across liabilities, retail assets, business banking, forex, cards, investments etc
Proactively sells the full range of consumer and commercial product to current and potential
Relationships
Deepens existing relationships or acquires new customers to Increase CASA balance in allocated
portfolio
Drives higher product and channel penetration to deepen mapped relationships and to increase
customer relationship value with the bank
Customer Engagement:
Ensures portfolio quality by regularly engaging with each mapped relationship and maintaining the
desired relationship values
Face to the client and First person Responsible for service and sales satisfaction of mapped clients
Investments
Analyses financial needs of the customers and offer appropriate product with utmost transparency
Drives revenue business to generate fee income through products like mutual funds, investments and
insurance
Audit & Compliance
Adheres to the Banks policy on acquisition/BSA/KYC etc as well as compliance requirements of
regulatory authorities (RBI/SEBI/AMFI/IRDA, etc)
SelfManagement
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 the departmental manager.
Executes the established internal control systems and compiles relevant information for departmental
audits, as necessary.

SECTION IV: KEY INTERACTIONS

Key Internal Interactions Purpose of Interaction

• Channel Partners Coordinate with product and programs teams to drive channel activities and initiatives
• Other Unit RMs Connect with Business Banking RMs, ADM, RBDL, PSM to maximize leads and generate cross sell opportunities
• Liase with key stakeholders eg YSB, HCM, FCU to execute organizational mandates
• Solicit support as required to close key job deliverables

Key External Interactions Purpose of Interaction

• Prospective YBL Customers Present the organization in a professional and positive manner to generate interest and capture mindshare
• Existing YBL Cusotmers Seek to engage and identify opportunities to increase the overall wallet share

SECTION V: KNOWLEDGE & EXPERIENCE

Minimum Qualifications

• Bachelors degree
• Master’s degree is preferred

Professional Certifications

• AMFI/NCFM/NISM/IRDA/JAIIB/CAIIB & such relevant certifications will be an added advantage.

Language Skills

• Written and spoken English is essential

Years of Experience

• A minimum of 2 years of relevant experience with at least 1 year in a similar role

Nature of Experience

• Prior experience in BFSI Sector