Relationship Manager - Small Enterprises (Working Capital Products)

Overview

Join YES BANK as a Relationship Manager within the Small Enterprises team focusing on Working Capital products. This role entails managing a portfolio of clients with turnover up to ₹100 crore, ensuring portfolio health, and driving cross-selling of financial offerings.

Key Responsibilities

• Acquire new-to-bank clients in the small enterprise segment by leveraging market research, networking, and referrals.
• Manage and nurture existing client relationships to enhance satisfaction and retention.
• Perform thorough financial analysis and prepare credit notes aligning with the bank's credit guidelines.
• Coordinate with credit teams for proposal approvals and align client needs with product solutions.
• Maintain portfolio hygiene by ensuring timely renewals, compliance with limits, proper documentation, and monitoring early warning signs to sustain asset quality and reduce defaults.
• Recognize and pursue opportunities to cross-sell products like trade finance, treasury, cash management, insurance, and working capital solutions.

Qualifications and Experience

• Graduate or postgraduate degree in Finance, Commerce, or related disciplines.
• 3 to 4 years of professional experience in corporate, SME, or medium enterprise banking.
• In-depth knowledge of credit analysis and financial statement interpretation.
• Excellent skills in relationship management and communication.
• Demonstrated capability to grow business while managing associated risks effectively.