SECTION I: ROLE INTRODUCTION Outlines the basic information of the role.

Job Title Relationship Manager Reporting To Cluster Business Leader Job Code ID COB5G66GG Business Unit Commercial Banking Grade/ Level G7 Sub Business Unit Medium Enterprises Management Band Junior Management Location PAN India Section II: JOB ROLE SCOPE Outlines the count of employees reporting and financial metrics of the role. Number of Direct Reports NA Financial Metrics (Budget, Revenue, etc.) Gross Disbursement

Incremental AMB Book Growth (Asset AMB Book) Trailing 3 Months AQB calculations (Indicative only)

Incremental Non-Fund EOP

Total Income Forex income & Trade Fee & Processing Fee

Incremental CA BS AMB Growth Liabilities

Incremental TD BS AMB Growth Liabilities Total Team Size NA SECTION III: PURPOSE OF THE ROLE A two-to-three-line statement outlining the objective or the reason for which the job exists. Drive acquisition of recent-to-bank clients and deepen existing relationships be delivering a comprehensive suite of banking products and solutions

Achieve agreed objectives across assets, liabilities, and fee income, with a focus on sustainable growth, cross-sell and increased wallet share

Meet clients’ requirements through seamless coordination with internal teams, ensuring superior service delivery, adherence to risk and compliance standards, and continuous improvement in VOC scores.

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE These responsibilities are representative, and the role holder is also responsible for any other job assigned by the superior authorities from time to time. This section in not intended to be an exhaustive listing of all activities done by the role holder. It should capture only the key responsibilities of the role.

Metrics that are used to evaluate the success / performance of the role; specific targets do not need to be included as those would change from Y-o-Y.

Responsibilities KPIs Strategy & Planning Formulate and execute client acquisition and portfolio growth strategies in alignment with the Bank’s overall business objectives.

Define performance goals at the beginning of the year in consultation with reporting managers and continuously track progress.

Translate market insights and client intelligence into actionable business plans.

Contribute to product and process enhancements by providing structured feedback from client and market interactions

Governance on Internal Audit

Retail Cross Sell

Retail Cross Sell

PF

FX

Liability NTB

Non-Fund (AYB)

CASA Growth (AYB)

Overdue Renewal

Trade Target





Fresh Slippages

Advances Growth (EOP)

Governance on Exceptions

PSL (NCF/WS/SMF) focused growth - Organic

Total NII (Asset + Liab)

Productivity

Asset NTB

Term Deposit Growth (AYB)

Product Penetration

Return Upliftment

Journey TAT

Liability Focus Core Responsibilities Revenue Generation Deliver financial targets relating to earnings, asset growth, liability mobilization, and fee income across multiple product groups.

Optimize profitability by balancing pricing, portfolio mix, and capital utilization.

Identify cross-selling opportunities to maximize wallet share and deepen client engagement Relationship Management Acquire and cultivate new client relationships by understanding their financial and strategic requirements

Act as the trusted advisor and single points of contact for clients, ensuring long-term partnership and retention

Drive superior customer experience through proactive engagement and high-quality service delivery Communication/PR of Bank’s products Undertake brand communication initiatives to reinforce the Bank’s positioning in the market.

Effectively articulate product value propositions through structured presentation, workshops, and client meetings

Differentiate the Bank’s offerings from competition through solution-driven engagement.

Market Research

Demonstrate deep understanding of clients’ industries, market conditions, and competitive landscape through primary and secondary research.

Anticipate client needs by analyzing sectoral trends, regulatory changes, and economic conditions

Provide actionable insights to product, credit and strategy teams for portfolio development Credit Appraisal Conduct rigorous analysis of client financials including income statements, balance sheets, cash flows, ratios and projections

Evaluate management quality, industry risk, and economic factors to structure sound credit proposals.

Ensure timely renewals, reviews and continuous monitoring of portfolio exposures Documentation and Compliance Maintain the highest standards of documentation, ensuring accuracy, completeness, and legal soundness

Ensure strict adherence to regulatory requirements (KYC, AML,



FEMA, RBI guidelines)

Coordinate with risk, operations, and product teams to ensure seamless compliance across the transaction lifecycle.

Build expertise in both traditional and digital banking solutions, including CMS and API base offerings. Self-Management Responsibilities Define annual performance objectives with reporting managers and ensure consistent progress tracking

Take ownership of personal learning by identifying developments needs and bridging gaps through training, mentoring, and industry exposure

Demonstrate mastery of role-specific competencies and actively develop new capabilities

Stay abreast of industry developments, regulatory changes, and emerging best practices through continuous education and professional networking Risk and Internal Control Rigorously apply the Bank’s risk policies and frameworks to mitigate credit, operational, reputational, and compliance risks

Monitor early warning signals in the portfolio and initiate timely correction action

Ensure audit readiness through disciplined information management, documentation, and adherence to internal control systems

Promote a culture of compliance and risk awareness across all client and internal interactions SECTION V: OPERATING NETWORK Key interactions which are essential to execute the role. This will include both internal (excluding sub-ordinates) and external stakeholders.

Internal Risk team: For assessment of working capital limits to clients.

OSD/CSD: For limit set up and trade transactions External Trade & Business Associations: For tie ups and generating leads for acquisition of Trade clients. Interact with credit bureaus and relevant stakeholders SECTION VI: ROLE PROFILE REQUIREMENTS Minimum Qualification Which Are Essential To Execute The Role.

Education Essential: Bachelor’s degree in any field

Preferred: Master’s degree is preferred Experience Essential A minimum of 0-6 years of relevant experience with at least 0-3 years in a similar role Prior experience in BFSI sector/General industry in Relationship manager’s role Competencies CORE COMPETENCIES LEADERSHIP/ BEHAVIORAL COMPETENCIES Customer

Professional Entrepreneurship

Drive for Results

Influence and Impact

I Quality Focus

Good knowledge of banking & trade finance products

Good communication, interpersonal & presentation skills

Strategist: Is future focused, self-driven

Creates discipline in getting things done

Positive & result oriented

Develops people capabilities

📌 Relationship Manager (Hubli)
🏢 Yes Bank
📍 Hubli