YES BANK, a full-service commercial bank headquartered in Mumbai, offers a wide array of products, services, and digital solutions, catering to Retail, MSME, and Corporate clients. The Bank operates its Brokerage business through YES SECURITIES, a wholly-owned subsidiary of the Bank.
Relationship Manager – Large corporate – Step Up 2 YES (Open for returning women from career break)
The role holder is responsible for assisting Senior Relationship Manager in increasing sales and revenue through management of new and existing clients by selling /cross-selling wholesale banking products and services to large corporate clients.
Core Responsibilities
Market Assessment and Business Development
- Conducts market research to understand consumers, competition and current market conditions to help identify new business opportunities.
- Participates as and when required in meetings with key customers, promoters, prospective customers to understand customer needs and use that information to propose possible solutions.
- Works towards maintaining and enhancing relationships with key customer accounts and prospective customers to ensure business continuity and growth.
- Leverages opportunities to manage complex relationships independently, under the overall supervision of Senior Relationship Managers/Team Leaders.
Revenue Generation
- Identifies new sales opportunities and leveraging a knowledge sector driven relationship approach to enhance sales and revenue generation through new and existing customers for achievement of established targets and objectives.
- Targets product/ industry specific business opportunities leading to achievement of the budget and ensures seamless coordination between customer & relationship manager.
Portfolio Management and Deal Structuring
- Works independently and under the supervision of Senior Relationship Managers/Team leaders in structuring and restructuring of deals to ensure they effectively address the clients’ financial requirement.
- Conducts research and collates necessary data for preparing credit proposals in line with customer requirements.
- Coordinates with CAD and other relevant stakeholders to ensure proposals/ approvals are approved and followed up in an efficient and timely manner.
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.
Documentation and Compliance
- Completes all documentation and CRM updation to ensure adherence to established guidelines and maintenance of highest quality standards of documentation, client communication, process compliance.
- Works in close coordination with relevant BUs to ensure smooth and quick turnaround of transactions as and when required.
Self-Management Responsibilities
- Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year.
- Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training.
- Understands the competencies relevant to his/her role and works towards displaying as well as developing these effectively.
- Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks.
Risk and Internal Control Responsibilities
- Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager.
- Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.
Minimum Qualifications
Master’s degree: CA/MBA/PGDM
Language Skills
- Written and spoken English is essential
- Knowledge of local language in regional markets is beneficial
Years of Experience
A minimum of 0-5 years of relevant experience with at least 0-3 years in a similar role
Nature of Experience
Prior experience in BFSI sector/General industry in Relationship manager’s role or prior experience as Credit Analyst in financial services industry with a zeal for relationship management
Technical Competencies
- Strong communication skills (Written and verbal)
- Ability to penetrate markets, generate new to bank customers and enhance existing relationships
- Knowledge of designated products such as Asset Business, Savings Account, Current Account, Term Deposit etc.
- Ability to understand customer behavior
Virtual Relationship Manager – Spectrum Banking – Step Up 2 YES (Open for women returning from a career break)
About the job
Job Responsibilities
Portfolio Management for Banks Domestic / NRI Customers
- Engage with assigned portfolio of Bank customers for service and deepening relationship
- Customer interactions to be duly updated in Bank system for audit trail and reference to future interactions
- Deepening of customer portfolio level benchmarks
- Manage Issues and Maintain complete relationship record for assigned customer accounts
- Enhancing customer wallet size
- Profiling Customer to increase wallet share Engaging to capture customer banking habits and inducing to make Yes Bank as primary relationship
- Ensuring customer scoping being done with need based products suggested as hooks for deepening relationship Ensuring that customer scope is done and products targeted accordingly
- Service to Sales approach established for deepening relationship with family members and associates which have been grouped together
Acquisition of New To Bank Customers
- To acquire new to bank customers from leads generated through marketing channel and various campaigns
- Referrals generated from existing customers
- Penetration of products across family groups
Customer Query and Complaint resolution:
- Ensure query resolution of the customers by coordinating with service and operations team
- Resolving all complaints received from preferred customers within the stipulated TATs
Fulfilment of other objectives:
To actively participate and contribute in fulfilment of other time bound objectives that department or organization may initiate from time to time.
Product Sales Manager – Supply Chain Banking – Open for Women professionals returning from break
Responsibilities
- Responsible for deal origination, structuring, obtaining credit approvals and onboarding of clients under Supply Chain Banking across Large / MNC corporate clients
- Work closely with various Business Units of the Bank on their respective CRM and work towards identifying and conversion of supply chain opportunities
- Managing relationship with Large / MNC/ Mid-Market Corporates
- Regular interaction with CXOs e.g. Marketing Heads / CFO / Purchase Heads of corporate to increase wallet share and gaining knowledge about key developments in the company
- Ensuring higher lead generation and conversion for dealer / vendor on a PAN India basis
- Work closely with relationship team for onboarding dealer / vendor.
- Maintaining Portfolio Hygiene and ensuring overall Portfolio Health
- Work in co-ordination with risk, CAD and Policy to address portfolio related issues
- Actively and consistently seek an opportunity to expand share of wallet of the corporate client
- Gain a deep understanding of customer experience, identify and fill product gaps and generate new ideas that grow market share, improve customer experience and drive growth
Expected Candidate Profile
Education:
Post Graduate or MBA from a recognized university / premium business schools
Past Experience:
Postgraduate with 4-7 years of experience in Large Corporate / Mid-Market Banking/ Supply Chain, Anchor Management, Corporate Relationship Management Knowledge of core banking systems and processes will be an added advantage
Past Organisation:
From Banking / NBFCs
Other Aspects / Skills:-
- Strong written and verbal communication skills
- Excellent networking & interpersonal skills
- Strong Decision making ability
- Ability to manage complex client situations
- Strong sense of accountability and self-initiative
- Innovation and creativity
- Open to change and eagerness to grow
Economist
PURPOSE OF THE ROLE
The role of an Economist exists to analyze economic trends and provide insights that guide strategic decision-making. This position is crucial for understanding market dynamics, forecasting economic conditions, and advising on policy and business strategies to enhance financial performance and stability.
KEY RESPONSIBILITIES & KPIS OF THE ROLE
Responsibilities
Strategy & Planning
• Role to share a close working relation with the Financial Markets team in terms of sharing understanding of data and various economic/policy events
• This is likely to help in the plan of action by the FM team in the financial markets
Report writing, data understanding and dissemination
• The role would involve in-depth economics/financial markets research capabilities with a critical focus on currency and interest rates markets
• The candidate is expected to have close tracking experience of the Indian economy and a clear understanding of the dynamics of the Indian economy
• The role would involve writing regular reports, including thematic reports on macro economy issues, public policy and financial markets
• Understanding of global economic dynamics and drivers of global financial markets will be an added advantage
• The role will also involve regular client interactions
Risk and Internal Control
• Will need to have a clear sense of compliance requirements of the Bank and adhere by it.
KPI
• No. of reports written
• Correctness of views and forecasts on economic parameters
• Fast TAT and quick reactions and understanding of events Report writing, data understanding and dissemination
Education Essential: Masters in Economics Experience
Essential: 1-3 Years of Relevant Experience Preferred: 3-5 Years of Relevant Experience
Digital Product Manager – Remittances – Open for Women professional Returning from career break
PURPOSE OF THE ROLE
Senior Product Manager will be responsible for driving business through partnership opportunities with Exchange Houses, AD2s, Fintechs, Cross Border Payment providers. Responsible for handling cross border related product applications including compliance to all guidelines , new product development and monetization.
KEY RESPONSIBILITIES
These responsibilities are representative, and the role holder is also responsible for any other job assigned by the superior authorities from time to time. This section in not intended to be an exhaustive listing of all activities done by the role holder. It should capture only the key responsibilities of the role
Policies, Processes & Procedures
- Responsible for solutioning and implementation of possible solution linkages with the partner platform.
- Creating Business cases, working with internal tech team and technology partners for implementing applications.
- Providing training of applications to clients as well as internal stakeholders.
- Maintaining required business trackers and creating content collaterals for internal and external marketing..
Risk and Internal Control
Coordinating on aspects related to risk management and adherence to policies, framework defined by the bank and in particular relating to transaction banking group, further to be cautious before executing deals in ensuring adherence to risk and regulatory framework/ guidelines.
Documentation & Compliance
- Establish guidelines and conduct periodic audits to ensure adherence to the highest quality standards of documentation and process compliance.
- Communicate regularly with product partners, operations, risk management, and relationship management teams to ensure understanding and compliance with regulatory guidelines.
- Respond promptly to compliance inquiries or issues raised by regulatory authorities.
Risk and Internal Control
- All process / product needs to be compliant as per the law of the land.
- Agreement vetting should be in accordance of the law of land and compliance architecture as put up by the regulator. Demonstrated experience in this segment is required.
OPERATING NETWORK
Key interactions which are essential to execute the role. This will include both internal (excluding sub-ordinates) and external stakeholders.
Internal
BDTS, Operations team, Risk Management, Legal Risk Management. YSB/HCM, Product Team
External
Clients/ Customers, Vendors
ROLE PROFILE REQUIREMENTS
Minimum qualification which are essential to execute the role.
Education
Essential: BTech/ BE / MCA/MSc- IT
Preferred: MBA
Experience
Essential: 3-4 years of relevant experience in handling Cross Border Remittances Product profile
Preferred: Prior experience in 7-10 years of work experience in fintech/bank industry preferably handling partnerships across financial products distribution and partnerships.
Competencies
LEADERSHIP/ BEHAVIORAL COMPETENCIES
- Customer and Quality Focus
- Professional Entrepreneurship
- Drive for Results
- Influence and Impact
- Integrity
- Lead and Develop people.
- Enables Change
- Build transparent and inclusive teams