Yes Bank - Senior Manager/AVP - Microfinance Institutions Group

Job Description: 

Business Unit : Microfinance Institutions Group

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES : 

Managerial Responsibilities:

- The role is a relationship management role; ensuring a high level of customer service is provided as per Organizational guidelines. It requires strong credit assessment skills, good understanding of analyzing financial statements for appraising a credit proposal.

Core Responsibilities:

Liabilities Generation: 

- Business Origination from New Client & existing clients and identification of clients fitting into MFI appraisal criteria. On-going interaction with clients to assess requirement in terms of credit and other developmental support.

- Ensure operative CAs with all clients with credit facilities and Cross Sell of other CMS product.

Sustained Revenue Generation: 

- Broad based portfolio across credit relationship and build non credit clients in line with YES BANKs knowledge based focused sector CRM based approach.

- Manage the complete relationship process including origination, Assessment approval, actual utilization etc.

- Institutionalize and mainstream the client's relationships.

- Engage with the Promoters top management in order to generate top of mind recall.

Risk Management : 

- Real time risk management through timely credit appraisals/ renewals.

- Mentor the RMs in the appraisal process.

- Timely review of stressed adversely labelled accounts with a clear primary, secondary and tertiary strategy.

- Reduce Exit accounts.

- Zero NPAs.

- Finding out early warning signals on clients for any adverse situation results.