Team Leader

ROLE SUMMARY-Team Leader –Medium Enterprises

The role holder is responsible for structuring of deals and portfolio management of various clients and also for managing and leading a group of team members, who are responsible for acquiring and providing support to the clients in the middle market segment (i.e. Rs. 100 - 500 crore turnover), offering them entire suite of bank’s product.

Core Responsibilities

Portfolio Management and Deal Structuring

▪ Structuring and restructuring of deals in such a way so that they meet the clients financial needs and requirement

▪ Overseeing management of various portfolios handled by the section leaders and ensuring that the client accounts are competently handled

Team Management

▪ Manage and lead a group of Relationship Managers to achieve their respective goals and objectives which are in line with the banks overall strategy and objective

Promoter/ Top Management Relationship

▪ Engage and maintain relationship with top management and promoters of the client on regular basis

▪ Understand the promoters / top management’s financial needs and challenges and provide suitable solutions for it

Revenue Generation

▪ Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups

Relationship Management

▪ Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services

▪ Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal

▪ Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank

Communication/PR of Bank’s products

▪ Undertakes brand communication initiatives for designated products

▪ Communicates product positioning messaging that differentiates YES Bank’s products in the market

Market Research

▪ Illustrates understanding of consumers, competition and current market conditions through primary and secondary research

Credit Appraisal

▪ Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions

Documentation and Compliance

▪ To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group

Minimum Qualifications

▪ Bachelor’s degree in any field

▪ Master’s degree in Finance is preferred

Years of Experience

▪ A minimum of 10 years of relevant experience with at least 5 years in a similar role

Nature of Experience

▪ Prior experience in BFSI sector/General industry in a similar role