Role Summary-The role holder is responsible for structuring of deals and portfolio management of various clients and also for managing and leading a group of team members, who are responsible for acquiring and providing support to the clients in the high octane middle market segment (i.e. Rs. 100 - 500 crore turnover), offering them entire suite of bank’s product.Core ResponsibilitiesPortfolio 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 handledTeam 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 objectivePromoter/ 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 itRevenue Generation▪ Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groupsRelationship 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 BankCommunication/PR of Bank’s products▪ Undertakes brand communication initiatives for designated products▪ Communicates product positioning messaging that differentiates YES Bank’s products in the marketMarket Research▪ Illustrates understanding of consumers, competition and current market conditions through primary and secondary researchCredit Appraisal▪ Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditionsDocumentation 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
Minimum Qualifications
▪ Bachelor’s degree in any field▪ Master’s degree in Finance is preferredYears of Experience▪ A minimum of 10 years of relevant experience with at least 5 years in a similar roleNature of Experience▪ Prior experience in BFSI sector/General industry in a similar role
