Qureos Mentor

YES BANK

<div>
 &uuml; Acquisition of Quality CASA (Current Account &amp; Saving Account) Accounts- Qualified &amp; Activated NTB CASA Accounts (In Nos.)
 
 
 &uuml; Acquisition of Quality Higher CASA variants-Acquisition of Qualified and Activated Higher CASA variants
 
 
 &uuml; Acquisition of CASA Values-CASA AMB acquired in accounts sourced during the month (In Rs)
 
 
 &uuml; Revenue Acquisition- Cross sell of Life Insurance products, MF, Gold, Trade/FX, Assets products
 
 
 &uuml; Maintaining good relationship with the customers
 
 
 &uuml; Complete adherence to Yes Personality guidelines
 
 
 &uuml; Compliant towards KYC and all operational risk
 
 
 &uuml; Comply with Bank&rsquo;s policies and processes
 
 
 &uuml; Ensure timely escalation of issues impacting business and appropriate solutions to address the concerns
 
 
 &uuml; Ensure safety and security of Bank and customer's assets
 
 
 &uuml; Ensure timely submission of MIS reports
</div>

Sales Officer CASA

<div>
 SECTION II: ROLE SUMMARY
 
 
 The incumbent will be responsible for acquiring EXIM CA Accounts along with high-value CA with focus on driving Trade
 
 
 and Forex Income. He should be a self-driven and motivated individual with a zeal to outperform in ambiguous
 
 
 environment and thrive under pressure. He should understand basic banking products, transaction processing &amp; pricing,
 
 
 and have flair for sales and relationship management.
 
 
 SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES
 
 
 Responsibilities
 
 
 <ul>
 <li>
 To identify and acquire new EXIM CA customers in the identified segment and reference generation from the specified catchment
 </li>
 <li>
 To identify and acquire new product/ program eligible CA in the identified segment and reference generation from the specified catchment
 </li>
 <li>
 To drive activation and income generation from Trade and Forex line of business in tandem with Subject Matter Experts
 </li>
 <li>
 To achieve daily/ weekly/ monthly customer acquisition target
 </li>
 <li>
 To support in building incremental CA values in self-sourced base
 </li>
 <li>
 To ensure initial customer handholding &amp; M+3 activation (Right advice to customer for product and documentation, opening a/c within TAT, familiarize customers with branch service RM and processes, monitor welcome kit delivery and follow up for repeat funding and use of account for business transactions)
 </li>
 <li>
 To ensure digital onboarding and activation on the banks&rsquo; key digital platforms (CNB, Smart Trade, IRIS, Yes Connect etc.)
 </li>
 <li>
 To attract new-to-bank qualified customers in consistence with the Bank&rsquo;s business strategy
 </li>
 <li>
 To assist the Business Relationship Leader in catchment mapping &amp; scoping exercise and provide regular feedback to BRL / BBL on opportunities / customer needs / competition benchmarking
 </li>
 <li>
 To ensure required level of service for in-coming customers, to consult customers on credit and banking products
 
 
 </li>
 </ul>
 People Management or Self- Management Responsibilities
 
 
 Risk and Internal Control Responsibilities
 
 
 <ul>
 <li>
 Should be adhering to all regulatory and compliance requirements
 </li>
 <li>
 Should follow the internal and external controls policy of the bank, as required for the bank
 
 
 </li>
 </ul>
 Qualifications- Candidate must possess a bachelor&rsquo;s degree, all majors are welcome to apply
 
 
 Professional -Certifications NISM/ IRDA/ NCFM/JAIIB/CAIIB &amp; such relevant certifications will be an added advantage
 
 
 Skills
 
 
 <ul>
 <li>
 Excellent oral and written communication
 </li>
 <li>
 Good presentation skills
 </li>
 <li>
 High Sales orientation
 </li>
 <li>
 Must be willing to take up extensive field visit
 </li>
 <li>
 Orientation towards servicing the customer and understanding his needs is a prerequisite
 </li>
 <li>
 Awareness of dynamics of local market
 </li>
 <li>
 Good understanding of competitive products &amp; their pricing
 
 
 </li>
 </ul>
 
 Experience
 
 
 
 Years of Experience
 
 
 <ul>
 <li>
 Should necessarily be from Sales background with experience in sales and client&rsquo;s acquisition
 </li>
 <li>
 Candidate should have worked on Sales assignment and should possess flair for customer engagement and acquiring new client
 </li>
 <li>
 Should have consistently over-achieved sales target in previous organization Relevant prior work experience of 3 years to six years
 
 
 </li>
 </ul>
 BEHAVIORAL COMPETENCIES- Competencies Competency Name Behaviors
 
 
 <ul>
 <li>
 Customer Focus
 </li>
 <li>
 Listens to and demonstrates an understanding of customers&rsquo; stated needs
 </li>
 <li>
 Delivers customer value through timely and quality execution
 </li>
 <li>
 Develops an understanding of problems and employs existing or new methods to find solutions
 </li>
 <li>
 Professional Entrepreneurship
 </li>
 <li>
 Takes proactive and constructive action at work with little or no direction from others
 </li>
 <li>
 Displays responsibility for problems, initiatives and tasks that lie within the domain of own role
 </li>
 <li>
 Drive for Results
 </li>
 <li>
 Seeks to understand the rationale for key decisions and understands implications for own role/ actions
 </li>
 <li>
 Displays a sense of urgency to deliver outcomes as per stated timelines
 </li>
 <li>
 Reacts to challenges by displaying an optimistic demeanor
 </li>
 <li>
 Influence and Impact
 </li>
 <li>
 Uses simple persuasion techniques to achieve the desired result / action / commitment from others
 </li>
 <li>
 Responds to stated requirements of internal/ external stakeholders by keeping a solution-oriented mindset
 </li>
 <li>
 Quality Focus
 </li>
 <li>
 Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work
 </li>
 <li>
 Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement
 
 
 </li>
 </ul>
 Leadership
 
 
 Competencies Competency Name Behaviors
 
 
 <ul>
 <li>
 Lead the way
 </li>
 <li>
 Displays awareness and understanding of the external environment relevant to own area of work and can assess their impact on the business in which he operates
 </li>
 <li>
 Translates the Bank&rsquo;s vision to own sphere of work and defines plan for achievement of the growth and scale objectives
 </li>
 <li>
 Actively seeks, identifies and promotes opportunities to try out new ideas
 </li>
 <li>
 Frequently communicates the organizational strategy and energizes employees within own region to realize Bank objectives and live the brand
 </li>
 <li>
 Lead and Develop people
 </li>
 <li>
 Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance
 </li>
 <li>
 Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority
 </li>
 <li>
 Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support
 </li>
 <li>
 Enables Change
 </li>
 <li>
 Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches
 </li>
 <li>
 Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition
 </li>
 <li>
 Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety
 
 
 </li>
 </ul>
 TECHNICAL COMPETENCIES
</div>

Sales Manager EXIM

<div>
 
 Job Title: Relationship Manager
 
 
 
 Department: Medium Enterprises (ME)
 
 
 Experience: 3&ndash;4 Years
 
 
 Grade: Manager to AVP
 
 
 
 Role Summary
 
 
 
 We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products.
 
 
 
 Key Responsibilities
 
 
 
 <ul>
 <li>
 Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 Cr. Identify opportunities through market intelligence, references, and industry networking.
 </li>
 <li>
 Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.
 </li>
 <li>
 Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank&rsquo;s credit policies.
 </li>
 <li>
 Sanction Process &amp; Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings.
 </li>
 <li>
 Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.
 </li>
 <li>
 Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.
 
 
 </li>
 </ul>
 
 Desired Candidate Profile
 
 
 
 &Oslash; Graduate/Postgraduate in Finance, Commerce, or a related field.
 
 
 &Oslash; 3&ndash;4 years of experience in corporate/SME/ME banking.
 
 
 &Oslash; Strong understanding of credit analysis and financial statements.
 
 
 &Oslash; Excellent relationship management and communication skills.
 
 
 Proven ability to drive business and manage risk effectively
</div>

Relationship Manager

<div>
 
 
 Core Responsibilities:
 
 
 
 
 
 
 
 Market Assessment and Business Development
 
 
 
 &sect; Conducts market research to understand consumers, competition and current market conditions to help identify new business opportunities in target segments, viz, Domestic Banks, DFIs, MF, Insurance, Co-operative Banks, International Banking business for GCC, Africa, APAC Market, NBFCs &amp; Capital Market.
 
 
 &sect; 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.
 
 
 &sect; Works towards maintaining and enhancing relationships with key customer accounts and prospective customers to ensure business continuity and growth.
 
 
 &sect; Leverages opportunities to manage complex relationships independently, under the overall supervision of Senior Relationship Managers/Team Leaders.
 
 
 
 
 
 
 Revenue Generation
 
 
 
 &sect; Assist in Identifying 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.
 
 
 &sect; Targets product/ industry specific business opportunities leading to achievement of the budget and ensures seamless coordination between customer &amp; relationship manager.
 
 
 
 
 
 
 Portfolio Management
 
 
 
 &sect; Works independently and under the supervision of Senior Relationship Managers/Team leaders to ensure clients&rsquo; financial requirement is addressed effectively.
 
 
 &sect; Conducts research and collates necessary data for preparing credit proposals in line with customer requirements.
 
 
 &sect; Coordinates with CAD and other relevant stakeholders to ensure proposals/ approvals are approved and followed up in an efficient and timely manner.
 
 
 
 
 
 
 Credit Appraisal
 
 
 
 &sect; Credit Assessment and CAM preparation through detailed analysis &sect; Works in close coordination with key stakeholders from Risk Management to ensure adherence to established credit guidelines. Documentation and Compliance
 
 
 &sect; Completes all documentation and CRM updation to ensure adherence to established guidelines and maintenance of highest quality standards of documentation, client communication, process compliance.
 
 
 &sect; Works in close coordination with relevant BUs to ensure smooth and quick turnaround of transactions as and when required.
 
</div>

Relationship Manager - Financial Institution

<div>
 
 Job Title
 
 : Relationship Manager / SM / AVP
 
 
 
 Department
 
 : Small Enterprises (SE) - Working Capital Products
 
 
 
 Experience
 
 : 3-4 years
 
 
 
 Grade
 
 : SM / AVP
 
 
 
 Role Summary
 
 
 
 We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover up to ₹100 Cr maintaining portfolio hygiene and actively engaging in cross-selling financial products.
 
 
 
 Key Responsibilities
 
 
 
 <ul>
 <li>
 Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment with turnover up to ₹100 Cr. Identify opportunities through market intelligence, references, and industry networking.
 </li>
 <li>
 Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.
 </li>
 <li>
 Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank&rsquo;s credit policies.
 </li>
 <li>
 Sanction Process &amp; Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings.
 </li>
 <li>
 Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.
 </li>
 <li>
 Cross-Selling: Identify and capitalize on cross-selling opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.
 
 
 </li>
 </ul>
 
 Desired Candidate Profile
 
 
 
 <ul>
 <li>
 Graduate/Postgraduate in Finance, Commerce, or a related field.
 </li>
 <li>
 3-4 years of experience in corporate/SME/ME banking.
 </li>
 <li>
 Strong understanding of credit analysis and financial statements.
 </li>
 <li>
 Excellent relationship management and communication skills.
 </li>
 <li>
 Proven ability to drive business and manage risk effectively.
 </li>
 </ul>
</div>

<div>
 Documentation &amp; Contract Support o Assist in drafting and reviewing standard contracts, loan agreements, NDAs, and vendor/service provider agreements. o Maintain and update legal document repositories and templates.
 
 
 <ul>
 <li>
 Legal Research &amp; Advisory o Conduct legal research on banking laws, RBI circulars, regulations, and case laws. o Provide preliminary legal opinions and notes under supervision of senior counsel.
 </li>
 <li>
 Litigation &amp; Case Management o Track and maintain database of ongoing litigation and legal notices. o Coordinate with external counsel and assist in preparing briefs, filings, and responses.
 </li>
 <li>
 Regulatory &amp; Compliance Support o Support compliance with RBI guidelines, Companies Act, Contract Act, and other applicable statues. o Assist in preparing legal and compliance-related reports for internal stakeholders.
 </li>
 <li>
 Stakeholder Coordination o Work closely with business, operations, HR, and risk teams for legal support. o Liaise with external counsel, regulatory bodies, and statutory authorities as needed.
 </li>
 </ul>
</div>

Legal Associate

<div>
 &ldquo;The role of &ldquo;Wholesale Banking - Business Unit Compliance Officer (WB BUCO)&rdquo; is to reinforce the compliance culture in Wholesale Banking and proactively addressing regulatory and operational risk minimizing losses and providing operational stability. It encompasses implementation of regulatory guidelines within all Wholesale Banking Business and Product units, viz. Large Corporates, Mid-Corporates, Financial Institutions, Government Institutions, Multinational Corporates, Transaction Banking, Project Finance, and Loan Syndication, working in close coordination with Central Compliance and Operational Risk Management units&rdquo;
 
 
 
 Importance of WB BUCO role
 
 
 
 <ul>
 <li>
 Strengthens Compliance Culture - Reinforces the Bank&rsquo;s &ldquo;Zero Tolerance&rdquo; to compliance and operational risks.
 </li>
 <li>
 Mitigates Risks - Helps identify assess and address compliance risks proactively.
 </li>
 <li>
 Ensures Business Stability - Protects the Bank from legal, financial and reputational harm.
 </li>
 <li>
 Effective management of Operational risk - Enhances monitoring and accountability within each unit in Wholesale Banking by proactive identification, assessment and mitigation of risks arising from internal and external events.
 
 
 </li>
 </ul>
 
 Roles &amp; Responsibilities
 
 
 
 <ul>
 <li>
 Ideal candidate should possess sound Business acumen and Business understanding of All client segments and product units within Wholesale Banking domain (Large &amp; Mid-Corporates, Financial Institutions, Government Institutions, and Multinational Corporates, Transaction Banking, Project Finance, and Loan Syndication) and must have a flair for governance and control.
 </li>
 <li>
 Be a one point contact to provide on ground support to business/ product/operations teams on their queries pertaining to RBI regulations.
 </li>
 <li>
 Works as a bridge between Business and Central compliance team for effective implementation of regulatory guidelines.
 </li>
 <li>
 Ensure timely submission of Business data sought for regulatory compliances.
 </li>
 <li>
 Review of the response to regulatory correspondence and ensure timely submission of responses.
 </li>
 <li>
 Ensure timely closure of pending open issues and verification of evidences to ensure that the open points are closed adequately.
 </li>
 <li>
 Ensure timely submission of product and process notes for approval of Product and Process Approval Committee.
 </li>
 <li>
 Ensure timely reporting and booking of losses due to operational risk events.
 </li>
 <li>
 Ensure timely reporting of frauds/notices from Law Enforcement Agencies.
 </li>
 <li>
 Conduct Root Cause Analysis (RCA) and implementation of risk mitigation measures for High and Significant operational risk events.
 </li>
 <li>
 Ensure timely review and comprehensive submission of Business Continuity Plan and conducting Business Continuity testing as per the scheduled plans.
 </li>
 </ul>
</div>

Business Unit Compliance Officer WB

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ABOUT_COMPANY

Sales Officer CASA

Sales Manager EXIM

Relationship Manager

Relationship Manager - Financial Institution

Relationship Manager

Legal Associate

Business Unit Compliance Officer WB