Senior Credit Analyst

YES BANK; Dadri; On-site; INR 900,000 - 1,400,000; Full time

Job summary

YES BANK in Uttar Pradesh’s Dadri region seeks a credit evaluation professional to ensure high-quality credit appraisals and timely approvals. The role requires adherence to policy, risk assessment, and portfolio monitoring with cross-functional collaboration.

The candidate will engage with customers and internal stakeholders, conduct due diligence, and support risk governance through accurate documentation and timely decisions.

Qualifications

• BE/CA/MBA or equivalent from a reputed institute.
• Written and spoken English essential.
• Minimum 2 years of credit evaluation experience in a bank/financial institution; fresh CA/MBA may be considered.

Responsibilities

• Ensure quality credit appraisal within TAT.
• Maintain adherence to the credit policy and process.
• Review delinquency and manage risk through effective limits and covenants.
• Conduct customer meetings and site visits as required.
• Prepare Credit Risk Summary and timely renewals.
• Interact with internal/external stakeholders for case reviews.

Skills

Credit appraisal

Credit evaluation

Due diligence

Risk assessment

Portfolio monitoring

Stakeholder coordination

Delinquency review

Policy adherence

Education

BE

CA

MBA

Job description

• Ensure quality Appraisal of credit for worthy borrowers.
• Ensure timely credit and transaction approvals for delegation under self.
• Managing loan portfolio with respect to credit rating/quality.
• Monitoring of Team TAT and Productivity.
• Ensuring adherence to the credit policy and process.
• Review of Delinquency
• Review exceptions and approval for knocking.
• Revert on the Hindsight and Internal audit observations

SECTION II: ROLE SUMMARY

• Ensure quality Appraisal of credit for worthy borrowers.
• Ensure timely credit and transaction approvals for delegation under self.
• Managing loan portfolio with respect to credit rating/quality.
• Monitoring of Team TAT and Productivity.
• Ensuring adherence to the credit policy and process.
• Review of Delinquency
• Review exceptions and approval for knocking.
• Revert on the Hindsight and Internal audit observations

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities

• Ensuring Credit appraisals are done within TAT
• Ensuring adherence to the credit policy and process.

Core Responsibilities

• Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM
• Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet
• Timely completion of credit appraisals / renewals/PSMs with effective structures
• Customer Meetings and Discussion along with factory/ Unit visit where ever required.
• Timely closure of exceptions & managing limit/facility overdue.
• Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action
• Interaction with various stakeholders (internal and external) for review of such customers
• Carry out internal rating of customers and assign/review rating
• Maintain/monitor Credit Hygiene

People Management Or Self-Management Responsibilities

• Timely/ effective closure of transaction requests. Minimal CAM over dues.
• Timely closure of exceptions & managing limit/facility overdue.

Risk And Internal Control Responsibilities

• Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

Business Team

To interact with RM / CBL /RBL on day to day basis while cases assessment, monitoring delinquency

Policy Team

For clarification / guidelines as and when required

Product Team

For clarification / guidelines as and when required

Key External Interactions

Purpose of Interaction

Customers

As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications

BE/ CA/ MBA/ any other professional qualification related to our field from a reputed institute

Professional Certifications

• BE/CA/ MBA from a reputed institute

Language Skills

• Written and spoken English is essential

Experience

Years of Experience

Minimum of 2 years and above work experience in credit evaluation in a Bank / Financial Institution

Fresh CA/ MBA from reputed institute also can be taken.

Nature Of Experience

Credit Evaluation in any Bank/ FI

SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS

BEHAVIORAL COMPETENCIES

Core Competencies

Competency Name

Behaviors

• Customer Focus
• Listens to and demonstrates an understanding of customers’ stated needs
• Delivers customer value through timely and quality execution
• Develops an understanding of problems and employs existing or new methods to find solutions
• Professional Entrepreneurship
• Takes proactive and constructive action at work with little or no direction from others
• Displays responsibility for problems, initiatives and tasks that lie within the domain of own role.
• Drive for Results
• Seeks to understand the rationale for key decisions and understands implications for own role/ actions
• Displays a sense of urgency to deliver outcomes as per stated timelines
• Reacts to challenges by displaying an optimistic demeanor
• Quality Focus
• Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work
• Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement

Leadership Competencies

Competency Name

Behaviors

• Lead and Develop people
• Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance
• Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority
• Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support
• Enables Change
• Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches
• Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition
• Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety

TECHNICAL COMPETENCIES

Technical Competencies

Financial Analysis and Market knowledge of industry segment