Cluster Business Leader ( Working Capital ) Yes Bank

9.0 - 14.0 years

10 - 20 Lacs

hyderabad

Work from Office

Core Responsibilities :- Responsible to build SME business according to business strategy Achieving sales target in line with business strategy of cluster Understanding the cluster requirements and working closely with the team of SL/RL to achieve the business objective Develop and share MIS for understanding the market and for effective functioning of the cluster Focus on offering financial solutions to the SME segment for their asset/liability needs Working closely with the Credit/Risk team to drive business using appropriate sourcing strategy according to the dynamic market conditions Identify Cross Sell (Trade/CMS/Direct Banking/Forex/YCOPs) opportunities in each asset client and derive strategies to maximize profitability People and Team Management including career management, coaching and mentoring of critical talent in the team Market mapping of cluster, strategies for expansion of market base and proactively working towards development of new products/markets along with Product Development Team. People Management or Self-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. SECTION IV: KEY INTERACTIONS Key Internal Interactions Purpose of Interaction Risk Management For coordinating on all aspects to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client Branch Banking For coordinating on acquisition of Newto–Bank Business Banking MSME relationships through the CRM. Key External Interactions Purpose of Interaction MSME Associations For coordinating on acquisition of New–to–Bank Business Banking MSME relationships through the Knowledge Banking approach. SECTION V: KNOWLEDGE & EXPERIENCE KNOWLEDGE Minimum Qualifications Bachelor’s degree in any field Master’s degree in Financial Management is preferred Professional Certifications CA/CFA is preferred AMFI/NCFM/IRDA certifications will be an added advantage Language Skills Written and spoken English is essential EXPERIENCE Years of Experience A minimum of 8-14 years of relevant experience with at least 5-7 years in a similar role Nature of Experience Prior experience in Banking/NBFC in Working Capital/LAP/Mortgages SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS BEHAVIORAL COMPETENCIES Core Competencies Competency Name Behaviors 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 Leadership Competencies Competency Name Behaviors TECHNICAL COMPETENCIES Technical Competencies Strong written and verbal communication skills Fully conversant with MS Office Excellent networking & interpersonal skills Manage a team and drive them to achieve the business volumes at the cluster level Manage diverse sourcing channels including the Branch Strong Decision making ability Ability to manage complex client situations Sensitive to issues of confidentially and compliance Strong sense of accountability and self-initiative Good Market knowledge of ‘Business Banking’ Good knowledge of regulatory guidelines

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