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Relationship Manager / AVP - Small Enterprises (SE)

Fresher   Mumbai City   28 Sep, 2025
Yes Bank Ltd
Job LocationMumbai City
EducationNot Mentioned
SalaryNot Disclosed
IndustryBanking
Functional AreaRisk / UnderwritingAudit
EmploymentTypeFull-time

Job Description

    Job Title: Relationship Manager / AVPDepartment: Small Enterprises (SE)Experience: 34 YearsGrade: Manager to AVPRole Summary:We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover upto 100 Cr maintaining portfolio hygiene, and actively engaging in cross-selling financial products.Key Responsibilities:1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover upto 100 Cr. Identify opportunities through market intelligence, references, and industry networking.2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.3. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with banks credit policies.4. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings.5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.6. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.Desired Candidate Profile:Graduate/Postgraduate in Finance, Commerce, or a related field.34 years of experience in corporate/SME/ME banking.Strong understanding of credit analysis and financial statements.Excellent relationship management and communication skills.Proven ability to drive business and manage risk effectively Women candidates who are currently on a career break (up to 6 months) will be positively considered, as we actively support and encourage career restarts. Interested candidates can share your cv on - hidden_mobile /hidden_email

Keyskills :
financerisk managementworking capitalrisk analysiscapitalenterprisecorporatecredit policysalesfinancial analysiswholesale bankingbankingworkingproduct

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