Business Analyst

YES BANK; Kolkata District; On-site; INR 600,000 - 900,000; Full time

Job summary

Yes Bank Ltd. is seeking a Business Analyst to support CAM writing, financial analysis, and the pre-disbursal process. You will work with Relationship Managers to evaluate new opportunities within the Small Enterprises portfolio and prepare credit appraisals.

Key responsibilities include monitoring credit proposals, analyzing financial statements, and coordinating with internal teams to ensure timely disbursement and compliance with policies.

Qualifications

• Bachelor’s degree in any field is required.
• Master’s degree in CA is preferred.

Responsibilities

• Support Relationship Managers with CAM writing and financial analysis.
• Prepare detailed credit assessments, financial spreads, and credit appraisal notes.
• Monitor proposal status from initiation to sanction and disbursement.
• Analyze customer financials, cash flows, and business metrics for credit decisions.
• Generate periodic MIS reports on pipelines, sanctions, disbursements, and portfolio performance.
• Coordinate with customers and internal teams (Credit, Risk, Legal, Operations) for funding requirements.

Skills

Customer Focus

Drive for Results

Analytical Thinking

Communication Skills

Stakeholder Management

Problem Solving

Attention to Detail

Education

Bachelor’s degree

Master’s degree CA preferred

Job description

Financial Metrics (Budget, Revenue, etc.)

NA

Total Team Size

NA

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.