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