Relationship Manager

The Relationship Manager is responsible for acquiring and supporting clients in the middle market segment (turnover of ₹100-1000 crore) by offering a comprehensive suite of banking products.

Key Responsibilities:  

- Meet bank objectives for earnings, assets, liabilities, and credit quality according to agreed budgets/targets through client relationships across all product groups.  

- Identify and acquire new client relationships by understanding their financial needs and providing suitable banking solutions.  

- Manage client relationships by assessing banking needs, advising, structuring deals, preparing terms, and finalizing agreements.  

- Evaluate clients' banking needs and risks to optimize the risk-reward balance for the bank.  

- Implement brand communication initiatives for designated products and convey product positioning to differentiate YES Bank's offerings in the market.  

- Conduct primary and secondary research to understand consumer behavior, competitive landscape, and current market conditions.  

- Assess proposals through detailed analysis of income statements, balance sheets, financial ratios, cash flows, and associated risks.  

- Maintain high standards of documentation, client communication, and process compliance in collaboration with product partners, risk management, and other relationship management groups.  

- Define and monitor performance goals with the reporting manager.  

- Take ownership of personal development needs and work towards addressing them through various means beyond formal training.  

- Stay updated on relevant industry developments, techniques, and issues through continuous education and professional engagement.  

- Adhere to risk policies and processes to mitigate operational, regulatory, financial, informational, reputational, and audit risks.  

- Execute established internal control systems and assist with departmental audits as necessary.

Qualifications:  

- Bachelor's degree in any field; Master's degree in Finance preferred.  

- Proficiency in written and spoken English is essential.  

- 0-6 years of relevant experience, with at least 0-3 years in a similar role in the BFSI sector or general industry.  

Core Competencies include:  

- Customer Focus: Understands customer needs and delivers tailored solutions.  

- Professional Entrepreneurship: Takes initiative with minimal direction and responsibility for outcomes.  

- Drive for Results: Displays urgency in achieving goals and responds positively to challenges.  

- Influence and Impact: Persuades and collaborates effectively to achieve desired outcomes.  

- Quality Focus: Adheres to quality standards and seeks opportunities for improvement.