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