Working Capital Relationship Manager

About YES BANK

YES BANK, headquartered in Mumbai, ranks as India's sixth largest private sector bank. Established in 2004, it serves retail, MSME, and corporate clients through a widespread presence that includes 1,198 branches, approximately 180 BCBOs, and over 1,345 ATMs across more than 300 districts in India. The bank emphasizes innovation in customer experience through technology and maintains a digital-first approach where over 90% of transactions are conducted via digital channels like YES Robot and WhatsApp Banking. YES BANK has strengthened its financial standing as evident from recent credit rating upgrades and is deeply committed to responsible banking and sustainability, including ISO 14001:2015 certification for environmental management, green financing initiatives, and aims to achieve net-zero greenhouse gas emissions by 2030. It has received notable recognition including inclusion in the FTSE4Good Index and ranking among India’s Best Workplaces in BFSI 2023.

Key Responsibilities

• Identify and acquire new clients in the small enterprise segment with turnover up to ₹150 Crore by leveraging market insights, references, and industry networks.
• Maintain and strengthen relationships within the existing client portfolio through regular engagement to ensure client satisfaction and retention.
• Analyze financial data and prepare comprehensive credit notes for both new and current clients, assessing risks and structuring credit proposals according to bank policies.
• Collaborate closely with internal credit teams to discuss and secure approvals for credit proposals, while effectively communicating with clients to align financial solutions to their requirements.
• Maintain portfolio health by ensuring timely renewals, adherence to limits, proper documentation, and proactive monitoring of early warning indicators to uphold asset quality and reduce delinquencies.
• Leverage cross-selling opportunities across a range of products including trade finance, treasury services, cash management, insurance, and working capital solutions.

Candidate Profile

• Graduate or postgraduate degree in Finance, Commerce, or related disciplines.
• 2 to 3 years of experience in corporate, SME, or micro enterprise banking sectors.
• Competence in credit analysis and interpretation of financial statements.
• Strong aptitude for relationship building and effective communication.
• Demonstrated ability to drive business growth while effectively managing credit risk.

Application Details

Interested applicants are invited to submit their resumes for consideration.