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 communicatin 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
