Qureos Mentor

YES BANK

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 Core Responsibilities
 
 
 
 General Ledger Balance Substantiation:
 
 
 Managing the process of reconciling all balance sheet and off-balance sheet items to independent verifiable sources.
 
 
 Manage governance and reporting process on certifying of GLAO (General Ledger Account Ownership) month-end balances.
 
 
 Ensuring system controls are in place to maintain data quality and efficiency in financial reporting.
 
 
 Assessing the recoverability of asset balances and monitoring the validity of payables and accruals.
 
 
 Escalating long outstanding unreconciled balances to GLAO.
 
 
 Assessing and documenting controls for new products or services to mitigate potential risks.
 
 
 Ensuring automation of financial reports by preparing User Story / perform UAT
 
 
 
 Internal Financial Controls Review
 
 
 
 Managing business processes and policies to maintain and strengthen internal controls.
 
 
 Assist in audits and monitoring internal controls.
 
 
 Ensure quality control over financial transactions and financial reporting.
 
 
 Review of ICOFR (Internal Controls over Financial Reporting) on reporting.
 
 
 Implementation of recommendations ( if any) by Concurrent Auditor, Statutory Auditor, Internal Auditor
 
 
 
 Financial Control &amp; Automation
 
 
 
 Reviewing exception and control reports for control accounts to ensure proper management of inter-system or inter-business unit postings.
 
 
 
 KPIs
 
 
 
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 Ability to interpret financial and environmental data, including strong analytical abilities and proficiency in data analysis tools
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 Proficiency in financial modeling, risk analysis, ESG reporting and compliance frameworks (like TCFD, SFDR, ISSB, EU Taxonomy), and financial/data analytics software
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 Sound understanding of banking regulations and compliance requirements.
 
 
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 People Management/Self Management
 
 
 
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 Accuracy and timeliness in reporting
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 Control mindset
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 Eye for detail
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 Good in communication (verbal and written) and Interpersonal Skills
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 Strong Team player
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 Ability to meet tight deadlines and handle tough situations
 
 
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 Risk and Internal Control
 
 
 
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 Ensure timely and correct submission of data / information to Reserve Bank of India , other authorities
 
 
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 Ensure timely closure of reports
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Team Member

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 Analytics Manager/Product Manager
 
 
 
 
 Job Profile:
 
 The primary purpose of Analytics manager is to leverage data to drive strategic and operational decision making. This involves transforming raw data into actionable insights, enabling business to optimize performance and identify opportunities to align with business objectives
 
 
 
 Kra
 
 
 
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 Designing and maintaining accurate MIS reports and dashboards
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 Delivering actionable insights for business teams
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 Ensuring timeliness and precision in data reporting
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 Creating impactful presentations and visual reports
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 Cross functional interaction with various internal and external stakeholders to ensure data consistency and accuracy.
 
 
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 Key Skillsets
 
 
 
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 Strong analytical and Excel skills (knowledge of SQL/Tableau/ BI tools will be an advantage)
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 Working knowledge of any LOS and Core banking solutions (especially in SME Banking space)
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 Proficiency in MS PowerPoint to present insights effectively
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 Attention to detail, problem-solving mindset, and ability to work in a fast-paced environment
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Product Manager

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 Market Assessment and Business Development
 
 
 
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 Conducts market research to understand consumers, competition and current market conditions to help identify new business opportunities.
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 Participates as and when required in meetings with key customers, promoters, prospective customers to understand customer needs and use that information to propose possible solutions.
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 Works towards maintaining and enhancing relationships with key customer accounts and prospective customers to ensure business continuity and growth.
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 Leverages opportunities to manage complex relationships independently, under the overall supervision of Senior Relationship Managers/Team Leaders.
 
 
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 Revenue Generation
 
 
 
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 Identifies new sales opportunities and leveraging a knowledge sector driven relationship approach to enhance sales and revenue generation through new and existing customers for achievement of established targets and objectives.
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 Targets product/ industry specific business opportunities leading to achievement of the budget and ensures seamless coordination between customer &amp; relationship manager.
 
 
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 Portfolio Management and Deal Structuring
 
 
 
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 Works independently and under the supervision of Senior Relationship Managers/Team leaders in structuring and restructuring of deals to ensure they effectively address the clients&rsquo; financial requirement.
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 Conducts research and collates necessary data for preparing credit proposals in line with customer requirements.
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 Coordinates with CAD and other relevant stakeholders to ensure proposals/ approvals are approved and followed up in an efficient and timely manner.
 
 
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 Credit Appraisal
 
 
 
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 Credit Assessment and CAM preparation through detailed analysis
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 Works in close coordination with key stakeholders from Risk Management to ensure adherence to established credit guidelines.
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Relationship Manager

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 Role Summary-
 
 
 FM Sales role responsible primarily to generate FX revenue for the bank by executing FX deals (C/T/S, Forwards, Swaps, Options etc) for Branch Banking and SME clients
 
 
 Core Responsibilities-
 
 
 
 Responsibilities
 
 
 
 Responsible for ensuring that SME &amp; Retail customers receive a professional and consistent high quality service in line or above industry standards. Core responsibility includes:
 
 
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 Generate revenue from sale of vanilla FX products to the bank&rsquo;s clients including Branch Banking and SME clients;
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 Keep track of their open positions and constantly advise the client on these positions on the basis of technical analysis, macro and micro economic and fundamental research;
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 Increase volume from clients by repetitive client calling and sharing trading / hedging ideas;
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 Constantly engage with the Financial Markets risk advisors, relationship managers and other product partners to leverage the client relationship, deepen existing relationships and acquire new ones;
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 Conduct periodic reviews with business teams to identify additional opportunities in existing clients and identify NTB pipeline
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 Meet with allocated clients to augment the relationship;
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 Strict adherence to RBI guidelines in executing and conducting Financial Markets business;
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 Responsible for all One Time Documentation and transactional documentation for FX business undertaken with the bank&rsquo;s clients;
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 Vet credit proposals to ensure adequate treasury limits are proposed/sanctioned in the same
 
 
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 Qualifications-
 
 
 
 Graduate or Master&rsquo;s degree
 
 
 Experience-
 
 
 5+ years of relevant experience
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Regional Product Sales Manager

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 Roles &amp; Responsibilities
 
 
 
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 Explain requirements to the developers and get it implemented accordingly.
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 Ensuring sanity testing and impacted areas of change to be tested/validated before confirming to business users.
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 Evaluating business processes, anticipating requirements, uncovering areas for improvement, and developing and implementing solutions with IT team.
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 Banking/Financial Services domain knowledge (Retail Assets)
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 Strong analytical and conceptual thinking skills.
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 Ability to influence stakeholders.
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 Prior experience with FICO BRE projects
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 Strong documentation, implementation &amp; analytical skills and familiarity with various tools e.g., Office, Visio, Smart Draw.
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 Understanding of JSON is must
 
 
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 Qualifications
 
 
 
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 Bachelor&rsquo;s degree in Business, Finance, Information Systems, or related field; MBA preferred.
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 Over 3 to 5 years of experience in business analysis or a related field.
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 Hands-on experience with FICO Blaze Advisor and decision management projects.
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 Understanding of Credit &amp; Loan Origination lifecycle.
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 Familiarity with credit strategies, scorecards, and risk models.
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 Experience with Decision Harvesting Workbook (DHW) is mandatory.
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 Familiar in documentation tools: MS Office, Visio, SmartDraw.
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 Basic understanding of JSON and its use in API and system design.
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 Good interpersonal, communication, and stakeholder management skills.
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Business Analyst

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 Collection Manager&rsquo;s Core responsibilities
 
 
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 Manage the collections team:
 
 
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 Supervise and train collections agents, manage workloads, and monitor their performance.
 
 
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 Develop strategies:
 
 
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 Create and implement procedures and strategies to improve collection efficiency, recover outstanding debts, and reduce delinquencies.
 
 
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 Oversee accounts:
 
 
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 Monitor and review delinquent accounts, and identify trends and risks.
 
 
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 Handle escalated issues:
 
 
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 Intervene and resolve complex or escalated collections problems and negotiate payment agreements.
 
 
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 Ensure compliance:
 
 
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 Make sure all collection activities comply with relevant laws, regulations, and internal company policies.
 
 
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 Report on performance:
 
 
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 Prepare and present reports on the collections team's performance to senior management.
 
 
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 Analyze data:
 
 
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 Analyze data to identify trends, areas for improvement, and to create collection plans.
 
 
 
 Required Skills And Qualifications
 
 
 
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 Education:
 
 
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 A bachelor's degree in any stream.
 
 
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 Experience:
 
 
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 Typically requires experience in collections from Auto loan background and should have experience in Agency handling (Past or present).
 
 
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 Technical skills:
 
 
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 Proficiency in collections processes, data analysis, and often specific software.
 
 
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 Soft skills:
 
 
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 Strong problem-solving, negotiation, and communication skills are crucial for interacting with both the team and clients.
 
 
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 Leadership:
 
 
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 Must have the ability to supervise, train, and motivate a team.
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Collections Manager

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 PROFILE &ndash;
 
 
 
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 Qualification:
 
 
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 i) LLB from any reputed law college/university in India.
 
 
 ii) Master&rsquo;s Degree/LLM from foreign or reputed domestic institutions will be preferred.
 
 
 iii) Should be or have worked in scheduled commercial banks or foreign banks or law firms, handling legal matters related to cross border transactions or related portfolio.
 
 
 iv) Should be well versed with Indian laws and regulations related to lending and security creation etc. related to wholesale banking portfolio.
 
 
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 PQE: 4-8 years of relevant work experience
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 Place of Joining: Candidate shall be required to join at the Registered office of the Bank situated in Mumbai. No hybrid structure of working shall be permissible.
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 Responsibilities:
 
 
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 i) Drafting, negotiating, and reviewing of transaction and security documents for domestic and cross-border lending transactions. Candidates should be familiar with APLMA/LMA documentation.
 
 
 ii) Liaison with external legal counsels (domestic and foreign) for handling cross-border transaction across multiple geographies.
 
 
 iii) Vetting of product/process notes, policies, terms and conditions etc., related to various products/services from IBU branches and business groups.
 
 
 iv) Analyzing legal issues related to statutory and regulatory risks/compliances and providing advisories/recommendations to business teams.
 
 
 v) Tracking and updating laws, rules and regulations, relevant to the Bank&rsquo;s business and policies.
 
 
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 Exclusion: (i) Candidates with relevant qualification and experience will only be considered (ii) Candidates with only Litigation or Retail portfolio or Collection profile shall not be considered (iii) No hybrid structure of working shall be permissible.
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Legal Counsel

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