Senior Relationship Manager - Mid Corporates @ YES Bank, Mumbai

Job description

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.