Relationship Manager
YES BANK · Mumbai, Maharashtra, India
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- On site
- Full-time
- ₹700,000 / year
- Mumbai, Maharashtra, India
Job highlights
- Source and manage SME clients with turnover up to ₹100 Cr.
- Maintain client relationships and ensure portfolio hygiene.
- Analyze creditworthiness and prepare detailed credit notes.
- Coordinate with internal teams for loan sanction processes.
- Cross-sell various financial products to existing clients.
About the role
Relationship Manager - Small Enterprises
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 ₹100 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 ₹100 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 bank’s 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.
- 3-4 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.
Key skills/competency
- Relationship Management
- Client Acquisition
- Portfolio Management
- Credit Analysis
- Financial Product Sales
- Risk Management
- Business Development
- Financial Services
- Banking
- Small Enterprise Banking
Skills & topics
- Relationship Manager
- Banking
- SME Banking
- Credit Analysis
- Client Acquisition
- Portfolio Management
- Financial Products
- Working Capital
- Business Development
- Risk Management
How to get hired
- Tailor your resume: Highlight your 3-4 years of banking experience, focusing on SME/corporate clients, credit analysis, and relationship management achievements. Quantify your successes with client acquisition numbers and portfolio growth.
- Showcase credit skills: Emphasize your understanding of financial statements, credit risk assessment, and your ability to prepare comprehensive credit notes.
- Demonstrate relationship building: Provide examples of how you've managed and deepened client relationships, ensuring satisfaction and retention, and successfully cross-sold financial products.
- Prepare for interviews: Be ready to discuss your approach to client acquisition, portfolio management, risk assessment, and how you handle challenging client situations or market dynamics.
Technical preparation
Master financial statement analysis techniques.,Understand credit risk assessment frameworks.,Familiarize with working capital products.,Practice financial modeling and forecasting.
Behavioral questions
Describe a time you acquired a difficult client.,How do you manage a demanding client relationship?,Explain your approach to cross-selling financial products.,How do you ensure portfolio hygiene and compliance?
Frequently asked questions
- What specific experience does YES BANK look for in a Relationship Manager for the Small Enterprises team?
- YES BANK seeks candidates with 3-4 years of experience specifically in corporate, SME, or mid-enterprise banking. A proven track record in client acquisition, portfolio management, credit analysis, and cross-selling financial products is highly valued for this Relationship Manager role.
- What is the typical client profile for the Relationship Manager in the Small Enterprises segment at YES BANK?
- For the Relationship Manager position in the Small Enterprises team, clients typically have a turnover of up to ₹100 Crore. The role involves sourcing new clients and managing existing ones within this segment.
- How important is credit analysis for the Relationship Manager role at YES BANK?
- Credit analysis is a critical component of the Relationship Manager role at YES BANK. You will be responsible for conducting thorough financial analysis, evaluating risk, and preparing detailed credit notes for both new and existing clients.
- What are the cross-selling opportunities for a Relationship Manager at YES BANK?
- Relationship Managers at YES BANK have opportunities to cross-sell a range of financial products, including trade finance, treasury services, cash management solutions, insurance, and various working capital products, to their client portfolio.
- What does 'maintaining portfolio hygiene' mean for this Relationship Manager position?
- Maintaining portfolio hygiene for this Relationship Manager role involves ensuring timely renewals, adherence to limit compliance, proper documentation, and proactive monitoring of early warning signals to uphold asset quality and minimize delinquencies.