YES BANK - YFB / Business Banking

Relationship Manager - Indicative Job Description

Function Business Banking / SME Banking

Role Relationship Manager (RM)

Primary Focus Current-to-Bank acquisition, Working Capital, portfolio management and

cross-sell

Customer Segment Business / SME customers; exact turnover band may vary by internal

segment and vacancy

Role Summary

The Relationship Manager is responsible for acquiring and managing business banking relationships,

understanding client funding requirements, structuring suitable working-capital solutions, maintaining portfolio

quality and deepening relationships through relevant banking products.

Key Responsibilities

- Client Acquisition (NTB): Identify and acquire new business / SME customers through market mapping,

references, branch leads and networking.

- Working Capital Solutions: Understand funding requirements and originate facilities such as Cash Credit

(CC), Overdraft (OD), working-capital limits and term loans, subject to bank policy.

- Portfolio Management: Manage existing relationships, deepen wallet share, track renewals, documentation,

limit utilization and account conduct.

- Credit & Financial Assessment: Understand financial statements, banking behaviour and business cash

flows; coordinate credit proposals and sanction discussions with internal teams.

- Cross-Sell: Identify opportunities for trade finance, cash management, current accounts / CASA, treasury,

insurance and other relevant banking solutions.

- Risk & Compliance: Maintain portfolio hygiene, timely renewals and documentation, and monitor early

warning indicators in line with internal policy.

- Customer Relationship Management:



Maintain regular client engagement, resolve service requirements

and coordinate with credit, operations, product and branch teams.

Preferred Candidate Profile

- Graduate / postgraduate, preferably with exposure to Finance, Commerce or Banking.
- Relevant experience in Business Banking, SME / MSME Banking, Commercial Banking or Working Capital

relationship management.

- Strong understanding of Working Capital products, credit appraisal / financial analysis and relationship

management.

- Experience in NTB acquisition, portfolio management and cross-selling banking products is preferred.
- Good communication, sales, negotiation and stakeholder-management skills.

Recruitment Keywords

YES BANK YFB / Business Banking RM - Indicative JD Page 2

Business Banking | SME | MSME | Working Capital | BBG | BBWC | Relationship Manager | Cash Credit |

CC | OD | Overdraft | Term Loan | NTB | Credit Analysis | Portfolio Management | Trade Finance | Cash

Management | Current Account | CASA

Recruitment note: HDFC Bank BBG / BBWC RM and similar Working Capital / SME RM profiles at other banks can be relevant

source profiles when their customer segment, ticket size, credit exposure and experience match the hiring requirement.

Important: This is a recruiter-ready indicative JD compiled from publicly available YES BANK Small Enterprises / Working Capital

RM role information and comparable Business Banking responsibilities. It is not represented as an internal or officially issued YES

BANK YFB JD. Exact designation, segment, turnover band, grade, location and targets should be validated a

Interested candidates, please share your CVs at (phone hidden). Nitin Singh HR team

📌 Relationship Manager YFB Business Banking (Mumbai)
🏢 Yes Bank
📍 Mumbai