Working Capital Relationship Manager

Small Business and Business Banking Relationship Manager (SBBRM) in YES Bank, focusing on Working Capital

• Client Acquisition

  : Sourcing new-to-bank (NTB) Business Banking and MSME clients with a turnover up to specified limits (e.g., 50-100 crores) using a "CRM and Knowledge Banking" approach. This involves engaging with branch banking teams and MSME associations.

• Working Capital Solutions

  : Understanding clients' business models, trade related activities, and cash flows to provide appropriate fund-based and non-fund-based working capital solutions. Products include Cash Credit, Demand Loans, Buyers' Credit, Letters of Credit (LC), and Bank Guarantees (BG).

• Portfolio Management & Growth

  : Managing and deepening relationships with the existing client portfolio to increase the "share of wallet" and overall book size. This involves actively monitoring portfolio hygiene and profitability.

• Liability Book Management

  : Building liability books through Current Accounts, Savings Accounts, and Fixed Deposits, by offering various Transaction Banking products like Cash Management Services (CMS) and Trade & Treasury products.

• Credit & Financial Analysis

  : Conducting thorough financial statement analysis, balance sheet analysis, and credit risk assessments to evaluate client creditworthiness and recommend appropriate financing solutions.

• Cross-selling

  : Enhancing client stickiness and book profitability by cross-selling various other bank products, such as Point of Sale (POS) machines, salary accounts for employees, insurance, and wealth management products.

• Collaboration & Service Delivery

  : Working closely with Risk, Operations, and Service teams to ensure efficient service delivery and faster turnaround times (TAT) for loans.

• Compliance

  : Ensuring all client onboarding and documentation processes comply with regulatory requirements and internal bank policies.

Required Skills and Experience

• Experience in the Working Capital/SME market, specializing in asset business, is a primary requirement.
• Strong skills in balance sheet analysis, financial ratios, and security documentation.
• Well-networked in the local business banking market.
• Typically requires 3-8 years of relevant experience in corporate/SME banking

  Role & responsibilities