Relationship Leader Portfolio
YES BANK
Chandigarh
5d ago

Job Description

SECTION II : ROLE SUMMARY

  • The role holder is responsible for acquisition of New to Bank Business Banking MSME relationships through the CRM and Knowledge Banking approach.
  • The role holder is also responsible for building Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients.

    SECTION III : KEY RESPONSIBILITIES / ACCOUNTABILITIES

    Strategic / Managerial Responsibilities

    Core Responsibilities

  • Assess and monitor facilities being sanctioned to clients along with monitoring of business performance and account conduct
  • Ensure portfolio / client level exceptions are minimum and in control.
  • Analysis of Financial and Bank Statements of the clients
  • Assessing requirements for Credit Facilities including Working Capital, Trade Finance, and Term Loans etc. for the Business Banking / SME space.
  • Carry out Due Diligence of clients to mitigate various associated risks
  • Industry Analysis and Benchmarking against Industry standards
  • Prepare and present Credit Proposal to the sanction authorities.
  • Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client
  • Meeting the Targets - Both in respect of bottom line as well as top line by constantly enhancing the Productivity.
  • People Management or Self-Management Responsibilities

  • Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year.
  • Takes ownership of his / her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training.
  • Understands the competencies relevant to his / her role, and works towards displaying as well as developing these effectively.
  • Keeps abreast of relevant professional / industry developments, new techniques and current issues through continued education and professional networks.
  • Risk and Internal Control Responsibilities

  • Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by the departmental manager.
  • Executes the established internal control systems and compiles relevant information for departmental audits, as necessary.
  • 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 New to 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.
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