Walk-in | Working Capital Relationship Manager

Yes Bank; Thane, Navi Mumbai; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Yes Bank seeks a dynamic Relationship Manager for its Small Enterprises (SE) team in Mumbai. You will source NTB SME clients, manage a growing portfolio with turnover up to ₹150 Cr, and engage in cross-selling across trade finance, treasury, and working capital solutions.

The role requires 2–3 years in corporate/SME banking, strong credit analysis, and excellent relationship management. You will coordinate with credit teams to structure proposals and ensure portfolio hygiene.

Qualifications

• 2–3 years of experience in corporate/ SME/ME banking.
• Graduate or postgraduate degree in Finance or Commerce or related field.
• Strong credit analysis and knowledge of financial statements.
• Excellent relationship management and communication skills.
• Proven ability to drive business and manage risk.

Responsibilities

• Source NTB clients in SME segment with turnover up to ₹150 Cr.
• Manage and deepen relationships with the existing client portfolio.
• Prepare detailed credit notes for new and existing clients; evaluate risk and structure proposals.
• Coordinate sanction process with internal credit teams and approvals.
• Maintain portfolio hygiene with timely renewals, limit compliance, documentation and monitoring.
• Cross-sell products across trade finance, treasury, cash management, insurance, and working capital solutions.

Skills

Relationship management

Credit analysis

Communication skills

Portfolio management

Cross-selling

Education

Graduate/Postgraduate in Finance/Commerce

Job description

Relationship Manager JD:

Job Title: Relationship Manager

Department: Small Enterprises (SE) - Working Capital Products

Experience: 2-3 years

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 150 Cr maintaining portfolio hygiene and actively engaging in cross-selling financial products.

Key Responsibilities:

• 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.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.
• 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.
• 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.
• Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.
• 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.

We have adriveschedule for SME RM for Mumbai location below mention details for your reference ,

Date :03 Sep 2026 /04 Sep 2026 / 05 Sept 2026

Day: Thursday/Friday/Saturday

Location : Yes Bank Empire tower 0f reliable tech park, cloud city campus, thane Belapur road ,Airoli Navi Mumbai .

Interview person : Pravin Raut, Rishabh Sultania ,Nayan lad ,Govind dere