Manager

SECTION II: ROLE SUMMARY

The role holder is responsible for acquiring and providing support to the clients in the high octane middle market segment (i.e. Rs. 100-1000 crore turnover), offering them entire suite of bank products.

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities

• N/A
  

Core Responsibilities

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
  

Communication/PR of Bank’s products

• Undertakes brand communication initiatives for designated products
• Communicates product positioning messaging that differentiates YES Bank’s 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
  

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 departmental manager.
• Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.
  

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

Risk Management

• For coordinating the ways to mitigate risk involve in a deal Frequency:-Daily
  

CMS

• For coordinating on all technology aspects related to Clients interface Frequency:-Daily
  

CAD

• For coordinating the issue of FL and understanding the changes needed in CAM Frequency:-Daily
  

TBG

• For ensuring that customer have smooth transaction experience Frequency:-Daily
  

Legal

• For understanding the legal aspects of the deal and ensure that there is no legal fallout Frequency:-Daily
  

Key External Interactions

Purpose of Interaction

Customer

• For understanding the financial needs of the customer and providing suitable solutions Frequency:-Daily
  

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications

• Bachelor’s degree in any field
• Master’s degree in Finance is preferred
  

Professional Certifications

• N/A
  

Language Skills

• Written and spoken English is essential
  

EXPERIENCE

Years of Experience

• A minimum of 0-6 years of relevant experience with at least 0-3 years in a similar role
  

Nature of

Experience

• Prior experience in BFSI sector/General industry in Relationship manager’s role
  

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
• Develops an understanding of problems and employs existing or new methods to find solutions
  

• Professional Entrepreneurship

• Takes proactive and constructive action at work with little or no direction from others
• Displays responsibilities for problems, initiatives and tasks that lie within the domain of own role
  

• Drive for Results

• Seeks to understand the rationale for key decisions and understands implication for own role / action
• Displays a sense of urgency to deliver outcomes as per stated timelines
• Reacts to challenges by displaying optimistic demeanor
  

• Influence and Impact

• Uses simple persuasion techniques to achieve the desired result / action / commitment from others
• Responds to stated requirements of internal / external stakeholders by keeping a solution oriented mindset
  

• Quality Focus

• Ensures adherence to quality standards in work / service delivery, identifies opportunity for improvement in routine course of work
• Adherence to laid down system and procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement
  

Leadership Competencies

Competency Name

On Behaviors

• N/A

• N/A
  

• N/A

• N/A
  

• N/A

• N/A
  

TECHNICAL 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

Minimum Qualifications

• Bachelor’s degree in any field
• Master’s degree in Finance is preferred