Relationship Manager

ROLE SUMMARY The role holder is responsible for assisting Section Leader/Team Leader in originating leads for building up a liability book and increasing wallet in the existing portfolio for the bank mainly in Ecommerce, Start-ups, Fintech and IT/ITES segments viz. Current Accounts, Nodal Accounts, Escrow Accounts, FD's, Trust Accounts, TASC etc.

Core Responsibilities

• Acquire new client relationships and grow & maintain high quality, profitable and broad based relationships with the senior management of the existing client base
• Imbibe YBL polices, systems, processes and regulatory framework as applicable to the job.
• Work under guidance from the reporting authority to analyze the banking needs of existing /target customers.
• Be adept at financial analysis in context of the banking product being sold to the customer.
• Understand the product offering from YBL and under superiors guidance cross sell the entire suite of banking products.
• To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners /OSD /Risk Management and other Relationship management groups
• Achieve Bank’s objective in terms of revenue, liability book increment, CMS and DB products cross sell, FDI etc. as per agreed budgets/targets.
• Maintain accurate information regarding the liability portfolio, P&L, cross sell as part of the CRM/portfolio management
• The primary focus will be on e-Commerce, Fintech, Gaming, IT & ITES space

Self-Management Responsibilities

• Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year.
• Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training.
• Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively.
• Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks.

Risk and Internal Control Responsibilities

• Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager.
• Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.

KNOWLEDGE & EXPERIENCEKNOWLEDGE

Minimum Qualifications

• Bachelor's degree in any field
• Master's degree in Finance is preferred

Language Skills

• Written and spoken English is essential
• Knowledge of local language in regional markets is beneficial

Years of Experience

• A minimum of 0-6 years of relevant experience with at least 0-3 years in a similar role

Nature of Experience

• Prior experience in BFSI sector/General industry in Relationship manager's role or prior experience as Credit Analyst in financial services industry with a zeal for relationship management
• The candidate should be able to independently handle client relationships and close deals with minimal guidance.
• Candidates with knowledge of latest payment systems & developments in fintech space are preferred
• Candidates should have experience of working in a target oriented environment with 4-8 years of experience

COMPETENCIES & KEY PERFORMANCE INDICATORSBEHAVIORAL

• Customer Focus
• Listens to and demonstrates an understanding of customers stated and unstated needs
• Delivers customer value through timely and quality execution of tailored customer solutions
• Develops an understanding of problems and employs existing or new methods to find solutions
• Professional Entrepreneurship
• Takes proactive and constructive action at work with little or no direction from others
• Displays responsibilities for problems, initiatives and tasks that lie within the domain of own role
• Drive for Results
• Seeks to understand the rationale for key decisions and understands implication for own role / action
• Displays a sense of urgency to deliver outcomes as per stated timelines
• Reacts to challenges by displaying optimistic demeanor
• Influence and Impact
• Uses simple persuasion techniques to achieve the desired result / action / commitment from others
• Responds to stated requirements of internal / external stakeholders by keeping a solution oriented mindset
• Quality Focus
• Ensures adherence to quality standards in work / service delivery, identifies opportunity for improvement in routine course of work
• Adherence to laid down system and procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement

Technical Competencies

• Strong communication skills (Written and verbal)
• Ability to penetrate markets, generate new to bank customers and enhance existing relationships.
• Knowledge of designated products such as Savings Account, Current Account, Term Deposit etc.
• Ability to understand customer behavior