Job Title

ROLE SUMMARY: 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 (i.e. Rs. 250-1500 crore turnover), offering them entire suite of bank’s product. 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.  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.