SECTION I: ROLE INTRODUCTION Job Title Business Analyst Reporting To Cluster Business Leader/ Team Leader Job Code ID COB1G66UB Business Unit Commercial Banking Grade/ Level G6 Sub Business Unit Medium Enterprises Management Band Middle Management Location PAN India Section II: JOB ROLE SCOPE Number of Direct Reports NA Financial Metrics (Budget, Revenue, etc.) NA Total Team Size NA SECTION III: PURPOSE OF THE ROLE To help Relationship team with CAM writing, Spreadsheets and initiating the overall pre-disbursal process. Develop good understanding of Financial Ratios, Customer business model and industry analysis SECTION IV:

KEY RESPONSIBILITIES
& KPIS OF THE ROLE Responsibilities KPIs Strategy and Planning
• Understand Customer requirement and structure limits as per policy
• Governance on Internal Audit
• Product Penetration
• Journey TAT
• Number of CAM Login
• Productivity
• Overdue Renewal
• Number of CAM Approvals
• Governance on Exceptions
• Liability Focus
• Return Upliftment
• Quality of CAM Policies, Processes & Procedures
• Understanding cash-flow analysis, CAM writing, grading customer financials in Yes Bank approved spreadsheets, Initiate pre-disbursal process of Legal-TSR, Valuation and audit if any Business Development
• Partner with Relationship Managers to identify and evaluate new business opportunities within the Small Enterprises portfolio.
• Support the acquisition of new clients by preparing detailed credit assessments, financial spreads, and credit appraisal notes. Performance Monitoring & Reporting
• Monitor and track the status of credit proposals from initiation through sanction and disbursement to ensure adherence to turnaround time standards.




• Analyze customer financial statements, cash flows, and business performance metrics to support credit assessment and decision making.
• Generate and share periodic MIS reports on proposal pipelines, sanctions, disbursements, and portfolio performance with business and credit teams. Relationship Management
• Partner with Relationship Managers to support customer acquisition, onboarding, and portfolio growth initiatives.
• Engage with customers to collect financial information, understand business models, and assess funding requirements.
• Act as a key point of coordination between customers, Relationship Managers, Credit, Risk, Legal, Operations, and other internal stakeholders. Customer Relationship Management
• Engage with customers during financial discussions to obtain requisite information and understand business models, industry dynamics, and funding requirements. Risk and Internal Control
• Adhere to Yes Bank Risk, Compliance and underwriting policies People Management
• Work closely with RM’s and TL’s and ensure deliverables in a timely and efficient manner SECTION V: OPERATING NETWORK Internal Risk Management
- To adhere to risk/credit guidelines while writing CAM IT Team
- To ensure smooth functioning of COLOURS and other risk management modules External Vendor
- Valuation and customer audit reports SECTION VI:



ROLE PROFILE REQUIREMENTS Education Bachelor’s degree in any field Master’s degree CA is preferred Experience A minimum of 1-3 years in similar role Competencies CORE COMPETENCIES LEADERSHIP/ BEHAVIORAL COMPETENCIES
• Customer Focus
• Professional Entrepreneurship
• Drive for Results
• Influence and Impact
• Quality Focus
• Listens to and demonstrates an understanding of customers stated and unstated needs
• Delivers customer value through timely and quality execution of tailored customer solutions
• Identifies problems, critically reviews facts, identifies root causes and derives practical solutions
• Seeks out new challenges, secures resources and work towards achievement of success
• Displays ownership for team and personal commitments including outcomes of incorrect decisions
• Takes effective decisions for the function/ team, focusing on the short to medium term objectives
• Displays a high sense of initiative and urgency towards delivering results on time
• Raises bar for self
- performance in delivery of results while ensuring adherence to stated timelines
• Effectively uses positive influencers and counters negative influencers to meet his/her objective in a situation
• Develops strong customer relationships by ensuring care and responsiveness in all interactions
• Identifies sources of errors or aspects impacting quality of work/service delivery and determines a course of action to prevent their recurrence
• Strives to continuously improve existing process and devise current ways of doing things within own sphere of operation to enhance efficiency in operations and processes.

📌 Business Analyst (Kolkata)
🏢 Yes Bank
📍 Kolkata