Working Capital Relationship Manager

Yes Bank; Ahmedabad District, Vadodara; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Yes Bank invites a proactive Relationship Manager to join our Small Enterprises team in Ahmedabad. You will source NTB clients, manage a growing SME portfolio up to 150 Cr turnover, and ensure portfolio hygiene while promoting cross-selling of trade finance, treasury, cash management, and working capital solutions.

You should hold a Graduate or Postgraduate degree in Finance or Commerce with 2–3 years of corporate/ SME banking experience.

Qualifications

• Must possess strong relationship-management skills and the ability to drive business.
• Experience in analyzing financial statements and evaluating credit risk.
• Demonstrated capability to source new clients and manage SME banking portfolios.

Responsibilities

• Source NTB clients in the small enterprise segment with turnover up to 150 Cr.
• Manage and deepen relationships with existing client portfolio; ensure satisfaction and retention.
• Prepare credit notes and coordinate sanction process with credit teams.
• Communicate with clients to identify financial needs and align with product offerings.
• Ensure portfolio hygiene through renewals, limits, and monitoring early warning signals.
• Identify cross-selling opportunities across trade finance, treasury, cash management, insurance, and WC solutions.

Skills

Relationship management

Cross-selling

Credit analysis

Financial statements

Client acquisition

Portfolio management

Education

Graduate/Postgraduate in Finance or Commerce

Job description

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.