- SECTION I: ROLE INTRODUCTION

Outlines the basic information of the role.

Job Title

Product Sales Manager, Retail Financial Market Sales

Reporting To

Zonal Head / Regional Leader, Retail FM Sales

Job Code ID

Business Unit

Financial Markets

Grade/ Level

Sub Business Unit

FM Sales

Management Band

Location

PAN India

Section II: JOB ROLE SCOPE

Outlines the count of employees reporting and financial metrics of the role.

Number of Direct Reports

Financial Metrics (Budget, Revenue, etc.)

Total Team Size

Cost Centre

SECTION III: PURPOSE OF THE ROLE A two-to-three-line statement outlining the objective or the reason for which the job exists.

Manage financial markets sales for the small and medium enterprises (SME) and retail segment by advising and selling foreign exchange, derivatives, risk management solutions to clients, as well as sourcing new clients, to drive revenue growth and profitability for YES Bank, while adhering to internal and external regulatory requirements. This is an individual contributor role.

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

Functional Planning and Strategy

- Assist in gathering inputs and data to support the creation of the financial market’s business strategy, including market trends, client feedback, and competitor analysis.
- Support the execution of Retail FM sales strategy by aligning daily activities with defined objectives and contributing to the achievement of short-term and long-term goals. Participate in Zonal Retail FM sales planning discussions and provide operational support.
- PnL growth (%)
- Planned vs actual volume target (%)
- Regulatory compliance (%)
- Internal compliance (%)





Policies, Processes and Procedures

- Support the implementation of Retail FM Sales policies, processes, and procedures by providing feedback from day-to-day operations and ensuring adherence within the team.
- Assist in handling non-compliance cases by escalating issues to senior management and helping identify recurring gaps to suggest improvements in existing processes.

Retail & SME Sales Management

- Lead the advisory and sales for Foreign Exchange (FX), Derivatives, and Risk Management Solutions to SME and retail clients, to deliver customized solutions aligned with their financial goals and requirements.
- Spearhead the sourcing of current clients to offer customized FX solutions in compliance with regulations, while ensuring tailored strategies to meet the specific needs.
- Continuously monitor existing portfolio to track performance metrics across volumes/income to drive FX business growth.
- Contribute to product development initiatives by gathering client feedback, supporting technology adoption.
- Coordinate documentation processes for FX transactions, ensuring timely and accurate completion in collaboration with internal teams and clients.

Relationship Management

- Drive the management of customer relationships, by addressing both service and sales inquiries to foster customer engagement and retention, thereby contributing to long-term business growth and profitability.
- Coordinate with internal business units/channels to identify Forex cross-selling opportunities and assist in delivering integrated solutions that contribute to fee income growth.
- Collaborate with Financial Markets risk advisors, relationship managers,



and product teams at the regional or branch level to help expand client relationships and support new client acquisition efforts.

Risk and Internal Control

- Support operational risk management by identifying potential issues during daily operations and ensuring timely reporting to minimize disruptions and maintain compliance.
- Assist in aligning activities with the Bank’s policies by participating in credit calls, coordinating with the Credit Risk team during client onboarding or limit enhancements, and ensuring documentation meets regulatory standards.
- Help monitor clients’ risk appetite by collecting relevant data, conducting preliminary assessments, and sharing insights with senior team members to ensure proposed solutions align with risk tolerance levels.

People Management

- This is an individual contributor role.
- Demonstrate organizational values by working collaboratively with peers and maintaining a positive, solution-oriented approach in day-to-day interactions.
- Track personal performance objectives and share regular updates with reporting managers. Provide inputs during performance discussions and seek feedback for continuous improvement.
- Actively seek guidance and mentorship from senior team members to build capabilities and take on more complex responsibilities over time.

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

Internal FM units (Dealing Desk/Product/Structuring), Business Units, Market Risk Department, Operations Department, Credit Risk Department, TBG Department, RTFx/BBTFx/FBB team etc.

External

SME & Retail Clients, Analysts, etc.

SECTION VI: ROLE PROFILE REQUIREMENTS

Minimum Qualification Which Are Essential To Execute The Role.

Education

Essential: Bachelor’s degree in business administration or equivalent

Preferred: Master’s degree in business administration or equivalent

Experience

Essential: This role is open for freshers also (from tier I college)

Preferred: 2+ of experience in financial markets/ treasury in banking industry.

📌 Product Sales Manager (India)
🏢 Yes Bank
📍 India