Mid Corporates - Relationship Manager @ YES Bank, Mumbai

Role: Relationship Manager

BU: Commercial Banking

SBU: Mid Corporates

Clients' Turnover: 500 to 1500 Crores

Responsibilities:

Strategy and Planning

• Acquire and manage Mid Corporate customers for their banking and financing requirements.
• Act as a single point of contact for all banking needs of assigned customers.
• Build strong customer relationships and drive business growth through Trade Finance, Working Capital, Cash Management, and Treasury solutions.
• Identify cross-sell opportunities and deepen customer engagement to increase revenue.

Product, Policies, Processes & Procedures

• Conducting due diligence on customer & transaction to cater various AML and Regulatory requirements related to Trade transaction. 
• Monitoring and reduce compliance pending of bill of entry and export bills

Business Development & Portfolio Management / Revenue Generation 

• Acquire and manage Mid Corporate customers for their Working Capital, Trade Finance, Cash Management, and Treasury requirements.
• Assess and cater to customer needs for fund-based and non-fund-based credit facilities.
• Manage the complete customer lifecycle, including acquisition, onboarding, activation, relationship deepening, and retention.
• Increase wallet share and drive revenue growth from new and existing Mid Corporate customers.
• Acquire new Mid Corporate relationships and strengthen existing customer portfolios.
• Facilitate seamless execution of trade and transaction banking services for customers.
• Promote Treasury solutions, including Foreign Exchange and Hedging products, to meet customer requirements.
• Provide Cash Management and Transaction Banking solutions to enhance customer engagement and operational efficiency.

Credit Appraisal

• Credit Assessment and CAM preparation through detailed analysis
• Works in close coordination with key stakeholders from Risk Management to ensure adherence to established credit guidelines.

Business Analytics & Reporting 

• Track business performance against assigned targets and portfolio growth.
• Prepare and maintain customer pipeline and MIS reports.
• Identify opportunities to increase customer wallet share and revenue.
• Promote adoption of digital banking and transaction banking solutions.
• Ensure timely and accurate updates of customer information in bank systems.
• Use data and market insights to identify new business opportunities and improve productivity.

People Management

• Strong stakeholder management and relationship-building skills.
• Ability to work effectively with cross-functional teams to achieve business objectives.
• Customer-centric approach with a focus on delivering quality service.
• Proactive and result-oriented mindset with strong accountability.
• Effective communication, negotiation, and influencing skills.
• Ability to prioritize tasks and manage multiple customer requirements efficiently.

Governance & Compliance

• Ensure compliance with regulatory requirements and bank policies.
• Maintain proper KYC, documentation, and account hygiene.
• Adhere to credit, risk, and operational guidelines.
• Monitor customer accounts regularly and highlight any exceptions.
• Ensure timely closure of audit and compliance observations.
• Follow ethical business practices and maintain high governance standards.

Risk and Internal Control

• Conduct customer due diligence and ensure compliance with KYC/AML requirements.
• Monitor customer accounts and transactions as per bank guidelines.
• Ensure timely submission and completion of required documentation.
• Identify and escalate potential risks and exceptions.
• Adhere to internal controls, policies, and regulatory requirements.
• Maintain portfolio quality and compliance hygiene.