Job
Description
ROLE SUMMARY The role holder is responsible leading a team of Relationship managers for acquiring and providing support to the clients in the high octane middle market segment (i.e. Rs. 500-1500 crore turnover), offering them entire suite of banks product. KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial . N/A Responsibilities Team Management . Manage and lead a group of Relationship Managers to achieve their respective goals and objectives which are in line with the banks overall strategy and objective Promoter/ Top Management Relationship . Engage and maintain relationship with top management and promoters of the client on regular basis . Understand the promoters / top managements 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 Core Responsibilities Communication/PR of Banks products . Undertakes brand communication initiatives for designated products . Communicates product positioning messaging that differentiates YES Banks 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 . 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. People Management 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. Risk and Internal Control Responsibilities Implements practices to bridge gaps identified during departmental audits. KEY INTERACTIONS Purpose of Interaction Key Internal Interactions Risk Management . For coordinating the ways to mitigate risk involve in a deal Frequency:- Weekly CMS CAD TBG . . For coordinating on all technology aspects related to Clients interface Frequency:- Weekly For coordinating the issue of FL and understanding the changes needed in CAM Frequency:- Weekly . . For ensuring that customer have smooth transaction experience Frequency:- Weekly For understanding the legal aspects of the deal and ensure that there is no legal fallout Frequency:- Weekly Legal Key External Interactions Purpose of Interaction . . For understanding the financial needs of the customer and providing suitable solutions Nature of Experience Prior experience in BFSI sector/General industry in similar role SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS BEHAVIORAL COMPETENCIES Competency Name Behaviors 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 Seeks out new challenges, secures resources and work towards achievement of success Displays ownership for team and personal commitments including outcomes of incorrect decisions 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 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 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 . . Customer Focus Professional Entrepreneurship Core Competencies . . . Drive for Results Influence and Impact Quality Focus . Competency Name On Behaviors Leadership Competencies 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 team Technical Competencies
