Yes Bank - Relationship Manager - Working Capital Products - Small Enterprises Team

Role Summary:

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 - 150 Cr maintaining portfolio hygiene and actively engaging in cross-selling financial products.

Key Responsibilities:

1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment with turnover up to - 150 Cr. Identify opportunities through market intelligence, references, and industry networking.

2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.

3. 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.

4. 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.

5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.

6. 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:

- At least 2-3 years relevant experience in working capital

- CAM writing or understand/NTB/ETB skills required

- Age Criteria - up to 35 years (for non-metro cities, can consider the ones having good experience but not very senior please)

- MBA/PGDM/CA (for non-metro cities, can consider if other criteria is met)

- The candidate should have worked on ticket size of 10-50 crores & handled clients having turnover of 35-150 crores (This is our Yes Bank SEB TS & TO range too)