- Client Sourcing - Meet existing as well as prospective customers of the Bank to understand their business model, banking requirements and pitch suitable YBL Trade offering (ranging from Domestic Finance, Cross-Border Finance, Non-Fund Based Requirements, Trade Advisory, Handle Remittances, etc.)
- YBL Wallet Share: Engage existing clients to grow YBL wallet by identifying incremental trade opportunities (takeovers, business growth plans, new structures, etc.).
- Talking to customers and suppliers and negotiating the transaction with them.
- Credit Sanctioning – Provide trade inputs to BU RMs, Credit Managers and Sanctioning Authorities. Sign off each Credit CAM which has Trade facilities.
- Limit Set up – Liaison with client, RM, legal, credit, etc. for documentation wrt. Trade covenants/terms.
- Digital Solutions – Pitch YBL digital solutions (e.g. TON, Paperless Exports/imports etc) to ease transaction processing and reduce manual cost at YBL end.
- Limit Utilization – Engage client to bring recent transactions at YBL counters to optimize the utilization of limits sanctioned and made available for utilization.
- Transaction Processing – Engage client and internal stakeholders (CSD, OSD, BU RBL, Product, Credit, etc.) to ensure transactions are processed in agreed TAT.
- Cross Sell – Engage client and internal stakeholders to grow YBL wallet by capturing non-credit flows and non-trade opportunities.




- Structuring and Solutioning – to provide suitable structured trade solutions to the client
- Manages Critical and sensitive client relationship.
- Negotiation of Rate on Interest and other commercials for Trade Finance and GML with existing and new customer.
- Coordinate with Supplier to check availability of metal and fix premium to place indent.
- Revenue Generation (Trade Fees, NII, Trade led FX Income)
- Fund Based Book (Export Credit, Factoring, Invoice based financing, funding from IBU, etc.)
- FX Flows including Capital A/c Advisory (Income & CA)
- Digital Penetration (TON, Paperless Import/Export, Host to Host, etc.)
- Ensuring timely sales calls logging, Pipeline Updation
- Engage client and internal stakeholders to keep regulatory items under control (e.g.

Transaction

Deferrals, BOEs, ORMs, etc.).

- Attend Trainings for self-development, additionally contribute towards Social Media Presence & Stakeholder management.
- Track and Monitor bullion inventory level and advise PSM/ RMs for suitable action
- Review deferrals / exceptions approved for the clients and monitor the same
- Review & Monitor clients MTM report
- Coordinating on aspects related to risk management and adherence to policies, framework defined by the bank and in particular relating to transaction banking group, further to be cautious before executing deals in ensuring adherence to risk and regulatory framework/ guidelines.

📌 Product Sales Manager Bullion and FES (Mumbai)
🏢 Yes Bank
📍 Mumbai