Yes Bank - Senior Relationship Manager - Emerging Local Corporate (8-12 yrs)

The role holder is responsible leading a team of Relationship managers for acquiring and providing support to the clients in the high octane middle market segment

Core Responsibilities:

Portfolio Management and Deal Structuring:

- Structuring and restructuring of deals in such a way so that they meet the clients financial needs and requirement

- Overseeing management of various portfolios handled by the section leaders and ensuring that the client accounts are competently handled

Team Management:

- Manage and lead a group of Relationship Managers to achieve their respective goals and objectives which are in line with the banks overall strategy and objective

Promoter/ Top Management Relationship:

- Engage and maintain relationship with top management and promoters of the client on regular basis

- Understand the promoters / top management's financial needs and challenges and provide suitable solutions for it

Revenue Generation:

- Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups

Relationship Management:

- Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services

- Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal

- Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank

Communication/PR of Bank's products:

- Undertakes brand communication initiatives for designated products

- Communicates product positioning messaging that differentiates YES Bank's products in the market

Market Research:

- Illustrates understanding of consumers, competition and current market conditions through primary and secondary research

Credit Appraisal:

- Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions

Documentation and Compliance:

- To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group

People Management Responsibilities:

- Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the section.

- Develops talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals. Risk and Internal Control Responsibilities

- Implements the risk policies and processes (operational, regulatory, financial, informational, reputational and audit risks), ensuring that that these meet regulatory and internal requirements.

- Implements the internal control systems in the department and participates in the departmental audits.

- Implements practices to bridge gaps identified during departmental audits.