Working Capital Relationship Manager

Yes Bank Ltd.; Navi Mumbai; On-site; INR 600,000 - 900,000; Full time

Job summary

YES Bank Ltd. in Mumbai invites applications for the role of Relationship Manager in the Small Enterprises (SE) team. The incumbent will source and manage a portfolio of SME clients with turnover up to 150 Cr, ensuring portfolio hygiene and cross-selling opportunities.

Requirements include a finance-related degree and 2-3 years of experience in corporate/ SME banking, strong credit analysis, and excellent relationship management. This on-site role offers growth in a dynamic banking environment.

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.

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.
• Prepare detailed credit notes for new and existing clients; evaluate risk.
• Liaise with internal credit teams for proposal discussions and approvals.
• Ensure portfolio hygiene with timely renewals, limit compliance, documentation.
• Identify and capitalize on cross-selling opportunities across trade finance, treasury, cash management, insurance, and working capital solutions.

Skills

Credit analysis

Financial statements

Relationship management

Communication

Business development

Risk management

Education

Graduate/Postgraduate in Finance, Commerce, or related field

Job description

We have Job fair schedule at 10 Oct 2026 (Saturday )

At : YES Bank House, Off Western Express Highway, Santacruz East, Mumbai, Maharashtra 400055

Only for female candidates and women returning from break

Please find below mention 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

• 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.