Client Relationship Management
Build, maintain, and enhance relationships with existing and new clients.
Act as the primary contact for client queries, service needs, and banking solutions.
Conduct regular meetings/visits with customers to understand their requirements.
Business Development & Sales
Acquire new clients through cold calling, references, and branch leads.
Achieve assigned sales & revenue targets across multiple products (CASA, deposits, loans, investments, insurance, forex).
Cross-sell financial products (mutual funds, life/general insurance, credit cards, investment solutions).
Portfolio & Revenue Management
Manage and grow assigned portfolio value.
Increase share of wallet by offering tailored banking and financial solutions.
Monitor account health and ensure retention of high-value customers.
Financial Advisory
Assess customer’s financial needs and recommend suitable products.
For HNI/Wealth segments: provide wealth planning, investment advisory, and portfolio diversification guidance.
Compliance & Risk Control
Adhere strictly to KYC, AML, RBI, SEBI, IRDA regulations.
Ensure error-free documentation, audit readiness, and internal process compliance.
Identify risks in client portfolio and take corrective measures.
Coordination & Collaboration
Work with product teams (loans, treasury, wealth) to deliver integrated banking solutions.
Collaborate with branch staff and support teams for seamless service delivery.
Self-Development
Keep updated with banking products, market trends, and regulatory changes.
Achieve personal learning & performance targets as agreed with manager.
| Benefit | Details / Examples |
|---|---|
| Fixed Salary + Incentives / Bonus | RMs get a base pay plus variable parts like commissions, target-bonuses, incentives for meeting or exceeding sales / business goals. |
| Health Insurance | Medical / health cover for self (and sometimes family) is often part of the benefits package. |
| Provident Fund (PF) / Retirement Benefits | Statutory PF contributions, maybe other retirement saving schemes. |
| Training & Development | Learning programs, product training, skill development, sometimes through internal academies (Yes Bank has “Yes School of Banking” etc.) to upgrade knowledge & capability. |
| Travel Allowances / Field Expenses | When the role involves client visits or travel, there are often reimbursements or allowances. (Not always explicit in every listing, but typical in RM roles.) |
| Flexible / Incentive‐based Earnings | High performers get higher payouts, sometimes much more via incentives; performance rewards. |
| Work Tools / Technology | Access to CRM tools, company laptop / mobile / other tools needed for customer management and outreach. Often expected. |
| Leaves & Statutory Benefits | Sick leave, vacation leave, maternity/paternity leave, etc. The legal entitlements plus whatever internal policies. Some reviews indicate these are part of the package. |
| Career Growth & Promotions | Opportunities to move up (senior RM, team lead, managerial roles) especially if performing well. Internal transfers and rotations sometimes. |
What It Does (Operations & Products) YES Bank offers a wide range of banking and financial services to retail customers, small & medium businesses, and corporates. Some of the key segments: Retail banking — savings, deposits, loans (hom... Read More