Mid Corporates - Relationship Manager @ YES Bank, Kolkata

Job description

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.