Relationship Manager
YES BANK · Mumbai Metropolitan Region
- On site
- Full-time
- ₹800,000 / year
- Mumbai Metropolitan Region
Job highlights
- Acquire and manage mid-corporate clients.
- Develop and maintain client relationships.
- Analyze credit and prepare proposals.
- Drive cross-selling of financial products.
- Ensure portfolio hygiene and compliance.
About the role
Relationship Manager - Mid Corporates
YES BANK is seeking a dynamic and results-oriented Relationship Manager to join our Mid Corporates (MC) team. This role focuses on acquiring and managing a portfolio of clients with turnovers between ₹500 Cr to ₹1500 Cr, ensuring portfolio hygiene, and actively cross-selling financial products.
Key Responsibilities
- Client Acquisition (NTB): Source new-to-bank clients in the medium enterprise segment (₹500 Cr to ₹1500 Cr turnover). Identify opportunities through market intelligence, references, and industry networking.
- Portfolio Management: Manage and deepen relationships with existing clients. Conduct regular engagement to ensure satisfaction and retention.
- Credit Note Preparation: Perform financial analysis and prepare detailed credit notes for clients. Evaluate risk and structure proposals according to bank policies.
- Sanction Process & Stakeholder Coordination: Collaborate with internal credit teams for proposal discussions and approvals. Align client financial needs with product offerings.
- Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain asset quality and minimize delinquencies.
- Cross-Selling: Identify and capitalize on cross-sell opportunities for products like trade finance, treasury, cash management, insurance, and working capital solutions.
Desired Candidate Profile
- Graduate/Postgraduate in Finance, Commerce, or a related field.
- 3-8 years of experience in mid-corporates.
- Strong understanding of credit analysis and financial statements.
- Excellent relationship management and communication skills.
- Proven ability to drive business and manage risk effectively.
Key skills/competency
- Relationship Manager
- Mid Corporates
- Client Acquisition
- Portfolio Management
- Credit Analysis
- Financial Products
- Cross-Selling
- Risk Management
- Financial Statements
- Business Development
Skills & topics
- Relationship Manager
- Mid Corporates
- Client Acquisition
- Portfolio Management
- Credit Analysis
- Financial Products
- Cross-Selling
- Risk Management
- Banking
- Finance
How to get hired
- Tailor your resume: Highlight experience in mid-corporate banking, client acquisition, and credit analysis relevant to YES BANK's needs.
- Showcase financial acumen: Emphasize your understanding of financial statements and ability to structure proposals.
- Demonstrate relationship skills: Provide examples of successful client management and cross-selling achievements.
- Understand YES BANK's values: Research their commitment to customer-centricity and innovation to align your application.
- Prepare for interviews: Be ready to discuss your experience with risk management and business development strategies.
Technical preparation
Master credit analysis techniques.,Practice financial statement analysis.,Understand trade finance products.,Learn cash management solutions.
Behavioral questions
Describe a challenging client relationship.,How do you handle difficult clients?,Share a successful cross-selling example.,How do you manage competing priorities?
Frequently asked questions
- What is the primary responsibility of a Relationship Manager at YES BANK's Mid Corporates division?
- The primary responsibility of a Relationship Manager (RM) at YES BANK's Mid Corporates division is to acquire new-to-bank clients within the specified turnover range (₹500 Cr to ₹1500 Cr) and manage an existing portfolio of clients. This includes maintaining portfolio hygiene and cross-selling various financial products to meet client needs.
- What experience level is required for the Relationship Manager role at YES BANK?
- YES BANK requires 3 to 8 years of experience for the Relationship Manager position in the Mid Corporates segment. Candidates should have a strong background in managing relationships with mid-sized corporations.
- What kind of financial products will a Relationship Manager at YES BANK be cross-selling?
- A Relationship Manager at YES BANK will be cross-selling a range of financial products including trade finance, treasury services, cash management solutions, insurance, and working capital finance. The goal is to provide comprehensive financial solutions to clients.
- How does YES BANK assess risk for new and existing clients for the Relationship Manager role?
- YES BANK assesses risk by requiring the Relationship Manager to conduct thorough financial analysis and prepare detailed credit notes. This involves evaluating financial statements and structuring proposals in line with the bank's credit policies and risk appetite.
- What qualifications are preferred for a Relationship Manager at YES BANK?
- YES BANK prefers candidates who are graduates or postgraduates in Finance, Commerce, or a related field. Strong understanding of credit analysis and financial statements, coupled with excellent relationship management and communication skills, are also key qualifications.