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 current 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 new ways of doing things within own sphere of operation to enhance efficiency in operations and processes.

📌 Business Analyst (Kolkata)
🏢 Yes Bank
📍 Kolkata