Senior Relationship Manager - Mid Corporates @ YES Bank, Mumbai

Role: Senior Relationship Manager

BU: Commercial Banking

SBU: Mid Corporates

Clients' Turnover: 500 to 1500 Crores

Roles & Responsibilities:

Strategy and Planning

• Drive growth of the Mid Corporate portfolio in line with business and revenue targets. 
• Develop strategies for acquisition of new customers and deepening of existing relationships. 
• Improve wallet share through focused penetration of asset, liability, trade, and treasury products. 
• Ensure portfolio growth while maintaining portfolio quality and compliance standards.

Product, Policies, Processes & Procedures

• Promote the bank's asset, liability, trade finance, forex, cash management, and cross-sell products.
• Ensure adherence to all bank policies, credit guidelines, and regulatory requirements.
• Maintain high standards of documentation, KYC, and account hygiene.
• Ensure timely processing of customer requests and adherence to journey TATs.
• Manage and close audit, compliance, and exception observations within timelines.

Business Development & Portfolio Management / Revenue Generation 

• Acquire and manage Mid Corporate customers to achieve business growth targets. 
• Drive advances growth, liability growth, CASA growth, and term deposit growth. 
• Increase income through trade, forex, processing fees, and cross-sell opportunities. 
• Focus on NTB customer acquisition and expansion of existing customer relationships. 
• Grow fund-based and non-fund-based business while improving portfolio profitability. 
• Drive product penetration across assets, liability, trade, treasury, and retail banking products. 
• Monitor portfolio performance, renewals, slippages, and overdue accounts. 
• Ensure achievement of revenue, productivity, and return enhancement targets.

People Management

• Strong collaboration with internal stakeholders to meet customer requirements. 
• Build and maintain effective working relationships across teams. 
• Support business objectives through teamwork and coordination. 
• Drive a customer-focused and service-oriented approach. 
• Encourage accountability and timely execution of tasks. 
• Share knowledge and best practices within the team.

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.