[ref. p23890422] Relationship Manager - Acquisition - Yes Bank

Job Description

SECTION II: ROLE SUMMARY

The role holder is responsible for the acquisition of New-to-Bank MSME relationships through the CRM and Knowledge Banking approach. The role also involves building an Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients.

SECTION III: KEY RESPONSIBILITIES/ACCOUNTABILITIES

• Acquisition of New-to-Bank MSME relationships through the CRM and Knowledge Banking approach.
• Engage with Branch Banking colleagues and MSME Associations Office Bearers to meet a minimum of 2 MSME Clients daily.
• Build Asset Book by offering Working Capital Facilities and Term Loans.
• Develop Liability Book with Current Accounts, Savings Accounts, Fixed Deposits, and Trade & Treasury products.
• Enhance Book Profitability by cross-selling POS Machines, Salary Accounts, Insurance, and Wealth Management Products.
• Collaborate with Risk, Operations, and Service teams to improve TAT and ensure smooth client onboarding.
• Achieve top-line and bottom-line targets by consistently enhancing productivity.

• Define performance goals with the reporting manager and ensure they are monitored and achieved.
• Identify development needs and work towards bridging gaps through training and professional networks.
• Stay updated on professional/industry developments.
• Understand and develop competencies relevant to the role.

• Follow risk policies to mitigate operational, regulatory, financial, and reputational risks.
• Execute internal control systems and provide relevant information for departmental audits.

SECTION IV: KEY INTERACTIONS

Internal Interactions:

• Risk Management: Coordination to improve TAT and client onboarding.
• Branch Banking: Acquisition of New-to-Bank MSME relationships.

External Interactions:

• MSME Associations: Acquisition of New-to-Bank MSME relationships through Knowledge Banking.

SECTION V: KNOWLEDGE & EXPERIENCE

• Minimum Qualifications: Bachelor's degree in any field (Master's in Financial Management preferred)
• Professional Certifications: CA/CFA preferred, AMFI/NCFM/IRDA certifications are an added advantage
• Language Skills: Written and spoken English is essential

• Years of Experience: 2-3 years with at least 1 year in a similar role
• Nature of Experience: Prior experience in Banking/NBFC in Working Capital

SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS

• Customer Focus
• Professional Entrepreneurship
• Drive for Results
• Influence and Impact
• Quality Focus

• Strong written and verbal communication skills
• Proficiency in MS Office
• Excellent networking and interpersonal skills
• Ability to manage complex client situations
• Knowledge of regulatory guidelines
• Strong sense of accountability and initiative
• Sensitivity to confidentiality and compliance issues