Relationship Manager

4 days ago

Rajkot India YES BANK Full time

Job Description Please find below the JD for the Relationship Manager role: 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 ranging from 0 Cr to 100 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities - Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment with turnover between 0 Cr to 100 Cr. Identify opportunities through market intelligence, references, and industry networking. - Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. - 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. - Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. - Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions. Desired Candidate Profile - Graduate/Postgraduate in Finance, Commerce, or a related field. - 24 years of experience in corporate/SME/ME banking. - Strong understanding of credit analysis and financial statements. - Excellent relationship management and communication skills. - Proven ability to drive business and manage risk effectively.

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