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 communication 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