About the role
Responsibilities
Strategy and Planning
· Understand Customer requirement and structure limits as per policy
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.
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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