Job Description
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
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.
KEY INTERACTIONS
Risk Management ▪ For coordinating the ways to mitigate risk involve in a deal Frequency:- Fortnightly
CMS ▪ For coordinating on all technology aspects related to Clients interface Frequency:- Fortnightly
CAD ▪ For coordinating the issue of FL and understanding the changes needed in
CAM Frequency:- Fortnightly
TBG ▪ For ensuring that customer have smooth transaction experience Frequency:- Fortnightly Legal ▪ For understanding the legal aspects of the deal and ensure that there is no legal fallout Frequency:- Fortnightly
Key External Interactions
Customer ▪ For understanding the financial needs of the customer and providing suitable solutions Frequency:- Fortnightly
Promoters / Top Management ▪ For understanding their needs and to seek out opportunities of new business and engagement Frequency:- Weekly
KNOWLEDGE & EXPERIENCE KNOWLEDGE
Minimum Qualifications ▪ Bachelor’s degree in any field ▪ Master’s degree in Finance is preferred Professional Certifications
▪ N/A Language Skills
▪ Written and spoken English is essential
EXPERIENCE Years of Experience ▪ A minimum of 10 years of relevant experience with at least 5 years in a similar role
Nature of Experience ▪ Prior experience in BFSI sector/General industry in a similar role
COMPETENCIES & KEY PERFORMANCE INDICATORS
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
▪ Identifies problems, critically reviews facts, identifies root causes and derives practical solutions
Professional Entrepreneurship
▪ Seeks out new challenges, secures resources and work towards achievement of success
▪ Displays ownership for team and personal commitments including outcomes of incorrect decisions
Drive for Results
▪Takes effective decisions for the function/ team, focusing on the short to medium term objectives
▪ Displays a high sense of initiative and urgency towards delivering results on time
▪ Raises bar for self- performance in delivery of results while ensuring adherence to stated timelines
Influence and Impact
▪ Effectively uses positive influencers and counters negative influencers to meet his objective in a situation
▪ Develops strong customer relationships by ensuring care and responsiveness in all interactions ▪ Quality Focus
▪ Identifies sources of errors or aspects impacting quality of work/service delivery and determines a course of action to prevent their recurrence
▪ Strives to continuously improve existing process and devise new ways of doing things within own sphere of operation to enhance efficiency in operations and processes
TECHNICAL COMPETENCIES
▪ Strong communicatin skills (Written and verbal)
▪ Knowledge of designated products such as Savings Account, Current Account, Term Deposit etc.
▪ Ability to understand customer behavior
▪ Ability to motivate and lead a tea
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
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.
KEY INTERACTIONS
Risk Management ▪ For coordinating the ways to mitigate risk involve in a deal Frequency:- Fortnightly
CMS ▪ For coordinating on all technology aspects related to Clients interface Frequency:- Fortnightly
CAD ▪ For coordinating the issue of FL and understanding the changes needed in
CAM Frequency:- Fortnightly
TBG ▪ For ensuring that customer have smooth transaction experience Frequency:- Fortnightly Legal ▪ For understanding the legal aspects of the deal and ensure that there is no legal fallout Frequency:- Fortnightly
Key External Interactions
Customer ▪ For understanding the financial needs of the customer and providing suitable solutions Frequency:- Fortnightly
Promoters / Top Management ▪ For understanding their needs and to seek out opportunities of new business and engagement Frequency:- Weekly
KNOWLEDGE & EXPERIENCE KNOWLEDGE
Minimum Qualifications ▪ Bachelor’s degree in any field ▪ Master’s degree in Finance is preferred Professional Certifications
▪ N/A Language Skills
▪ Written and spoken English is essential
EXPERIENCE Years of Experience ▪ A minimum of 10 years of relevant experience with at least 5 years in a similar role
Nature of Experience ▪ Prior experience in BFSI sector/General industry in a similar role
COMPETENCIES & KEY PERFORMANCE INDICATORS
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
▪ Identifies problems, critically reviews facts, identifies root causes and derives practical solutions
Professional Entrepreneurship
▪ Seeks out new challenges, secures resources and work towards achievement of success
▪ Displays ownership for team and personal commitments including outcomes of incorrect decisions
Drive for Results
▪Takes effective decisions for the function/ team, focusing on the short to medium term objectives
▪ Displays a high sense of initiative and urgency towards delivering results on time
▪ Raises bar for self- performance in delivery of results while ensuring adherence to stated timelines
Influence and Impact
▪ Effectively uses positive influencers and counters negative influencers to meet his objective in a situation
▪ Develops strong customer relationships by ensuring care and responsiveness in all interactions ▪ Quality Focus
▪ Identifies sources of errors or aspects impacting quality of work/service delivery and determines a course of action to prevent their recurrence
▪ Strives to continuously improve existing process and devise new ways of doing things within own sphere of operation to enhance efficiency in operations and processes
TECHNICAL COMPETENCIES
▪ Strong communicatin skills (Written and verbal)
▪ Knowledge of designated products such as Savings Account, Current Account, Term Deposit etc.
▪ Ability to understand customer behavior
▪ Ability to motivate and lead a tea
💡 Quick Summary
Seeking a career-building opportunity? The Senior Relationship Manager - Emerging local Corporate - position is now open for candidates interested in the Bank Jobs sector. This role in Ludhiana offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
