IN EmploymentAlert | Senior Relationship Manager - Emerging local Corporate - Step Up 2 YES (Open for returning women fro
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Job Title


Senior Relationship Manager - Emerging local Corporate - Step Up 2 YES (Open for returning women fro


Company : YES BANK


Location : Ludhiana, Punjab


Created : 2025-01-06


Job Type : Full Time


Job Description

Core Responsibilities Portfolio Management and Deal Structuring ▪ Structuring and restructuring of deals in such a way so that they meet the clients financial needs and requirement ▪ Overseeing management of various portfolios handled by the section leaders and ensuring that the client accounts are competently handled Promoter/ Top Management Relationship ▪ Engage and maintain relationship with top management and promoters of the client on regular basis ▪ Understand the promoters / top management’s financial needs and challenges and provide suitable solutions for it Revenue Generation ▪ Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management ▪ Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services ▪ Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal ▪ Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Communication/PR of Bank’s products ▪ Undertakes brand communication initiatives for designated products ▪ Communicates product positioning messaging that differentiates YES Bank’s products in the market Market Research ▪ Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Credit Appraisal ▪ Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions Documentation and Compliance ▪ To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group People Management Responsibilities ▪ Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the section. ▪ Develops talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals.Risk and Internal Control Responsibilities ▪ Implements the risk policies and processes (operational, regulatory, financial, informational, reputational and audit risks), ensuring that that these meet regulatory and internal requirements. ▪ Implements the internal control systems in the department and participates in the departmental audits. ▪ Implements practices to bridge gaps identified during departmental audits.KEY INTERACTIONSRisk Management▪ For coordinating the ways to mitigate risk involve in a deal Frequency:- Fortnightly CMS▪ For coordinating on all technology aspects related to Clients interface Frequency:- Fortnightly CAD ▪For coordinating the issue of FL and understanding the changes needed in CAM Frequency:- Fortnightly TBG▪ For ensuring that customer have smooth transaction experience Frequency:- FortnightlyLegal ▪For understanding the legal aspects of the deal and ensure that there is no legal fallout Frequency:- FortnightlyKey External Interactions Customer▪ For understanding the financial needs of the customer and providing suitable solutions Frequency:- Fortnightly Promoters / Top Management▪ For understanding their needs and to seek out opportunities of new business and engagement Frequency:- WeeklyKNOWLEDGE & EXPERIENCE KNOWLEDGE Minimum Qualifications ▪Bachelor’s degree in any field ▪ Master’s degree in Finance is preferredProfessional Certifications ▪N/A Language Skills ▪ Written and spoken English is essential EXPERIENCE Years of Experience ▪ A minimum of 10 years of relevant experience with at least 5 years in a similar role Nature of Experience ▪ Prior experience in BFSI sector/General industry in a similar roleCOMPETENCIES & KEY PERFORMANCE INDICATORS Customer Focus ▪Listens to and demonstrates an understanding of customers’ stated and unstated needs ▪ Delivers customer value through timely and quality execution of tailored customer solutions ▪ Identifies problems, critically reviews facts, identifies root causes and derives practical solutions Professional Entrepreneurship ▪Seeks out new challenges, secures resources and work towards achievement of success ▪ Displays ownership for team and personal commitments including outcomes of incorrect decisions Drive for Results ▪Takes effective decisions for the function/ team, focusing on the short to medium term objectives ▪ Displays a high sense of initiative and urgency towards delivering results on time ▪ Raises bar for self- performance in delivery of results while ensuring adherence to stated timelines Influence and Impact ▪ Effectively uses positive influencers and counters negative influencers to meet his objective in a situation ▪ Develops strong customer relationships by ensuring care and responsiveness in all interactions ▪Quality Focus ▪ Identifies sources of errors or aspects impacting quality of work/service delivery and determines a course of action to prevent their recurrence ▪ Strives to continuously improve existing process and devise new ways of doing things within own sphere of operation to enhance efficiency in operations and processesTECHNICAL COMPETENCIES ▪ Strong communicatin skills (Written and verbal) ▪ Knowledge of designated products such as Savings Account, Current Account, Term Deposit etc. ▪ Ability to understand customer behavior ▪ Ability to motivate and lead a tea