Job Overview
Job TitleRelationship Manager
Job TypeFull Time
Offered Salary₹700,000
LocationMumbai, Maharashtra, India
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Job Description
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
How to Get Hired at YES BANK
- 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.
Frequently Asked Questions
Find answers to common questions about this job opportunity
01What specific experience does YES BANK look for in a Relationship Manager for the Small Enterprises team?
02What is the typical client profile for the Relationship Manager in the Small Enterprises segment at YES BANK?
03How important is credit analysis for the Relationship Manager role at YES BANK?
04What are the cross-selling opportunities for a Relationship Manager at YES BANK?
05What does 'maintaining portfolio hygiene' mean for this Relationship Manager position?
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