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 solid 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 Metropolitan Area)
🏢 Yes Bank
📍 Kolkata Metropolitan Area