Relationship Manager - Small Enterprises

Role overview

YES BANK is looking for a Relationship Manager for its Small Enterprises segment in Borivali, Maharashtra. The role focuses on building and managing client relationships, driving revenue growth, evaluating credit proposals, and ensuring strong documentation and compliance standards.

Revenue generation

• Work toward the bank’s targets for earnings, assets, liabilities, and credit quality, aligned to approved budgets and business goals across product categories.

Client relationship management

• Identify and win new customer relationships by understanding financial requirements and recommending appropriate banking solutions.
• Handle the full relationship cycle, including need assessment, advisory support, deal structuring, term finalization, and closure.
• Review client banking needs and associated risks, then manage relationships in a way that balances return and risk for the bank.

Brand communication and product promotion

• Support communication initiatives for assigned products.
• Deliver product messaging that clearly positions the bank’s offerings in the market.

Market research

• Build an understanding of customers, competitors, and market conditions through both primary and secondary research.

Credit appraisal

• Evaluate proposals by analyzing the income statement, balance sheet, financial ratios, cash flow, management risk, industry risk, and broader economic conditions.

Documentation and compliance

• Maintain high standards in documentation, client communication, and process compliance on an ongoing basis with product partners, OSD, Risk Management, and other relationship management teams.

Self-management expectations

• Set performance goals with the reporting manager at the start of the year and track progress to ensure timely achievement.
• Take responsibility for learning and development by identifying gaps with the manager and working on them through methods beyond formal training.
• Stay updated on relevant industry developments, new methods, and current issues through continuous learning and professional networks.
• Demonstrate the competencies required for the role and actively work on strengthening them.

Risk and internal control

• Follow risk policies and procedures to reduce operational, regulatory, financial, informational, reputational, and audit risks as directed by the department manager.
• Implement internal control systems and prepare information needed for departmental audits when required.