Job Summary:

Yes Bank is seeking a detail-oriented and proactive Retail Loan Processing & Disbursement Officer to join our dynamic retail banking team. This role is critical in ensuring smooth, accurate, and timely processing of retail loan applications, while maintaining compliance with regulatory guidelines and internal policies. The ideal candidate will possess strong analytical skills, attention to detail, and the ability to manage multiple loan disbursements efficiently, contributing directly to customer satisfaction and business growth.

Key Responsibilities:

• Review, verify, and process retail loan applications, including personal loans, home loans, auto loans, and other retail credit products.

• Conduct thorough documentation checks to ensure compliance with regulatory and internal policies.

• Coordinate with internal teams, such as credit risk, legal, and operations, to facilitate timely loan approvals and disbursements.

• Maintain accurate records of loan applications, approvals, and disbursement activities.

• Resolve discrepancies and issues related to loan processing in a timely manner.

• Prepare reports on loan processing metrics and assist management in improving operational efficiency.

• Provide exceptional customer service, addressing queries and guiding customers through the loan process.

• Ensure all activities adhere to internal controls, regulatory requirements, and audit standards.

Required Skills and Qualifications:

• Bachelor’s degree in Finance, Banking, Business Administration, or a related field.

• Strong knowledge of retail banking products, loan processing, and disbursement procedures.

• Excellent numerical, analytical, and problem-solving skills.

• Proficiency in banking software and MS Office applications.

• Attention to detail and a high level of accuracy in documentation.

• Strong organizational and multitasking abilities.

• Effective communication and interpersonal skills for client and team interactions.

Experience:

• Minimum 1–3 years of experience in retail loan processing, credit operations, or a similar role in banking or financial services.

• Experience with multiple retail loan products is preferred.

• Familiarity with regulatory guidelines and compliance requirements related to retail loans.

Working Hours:

• Standard banking hours: Monday to Friday, 9:30 AM – 6:00 PM.

• May require flexibility for meeting deadlines during peak loan disbursement periods.

Knowledge, Skills, and Abilities:

• In-depth understanding of retail loan processes and credit assessment.

• Ability to work under pressure while maintaining accuracy.

• Strong time management and prioritization skills.

• High ethical standards and integrity in handling confidential information.

• Collaborative mindset to work with cross-functional teams.

Benefits:

• Competitive salary and performance-based incentives.

• Comprehensive health and life insurance coverage.

• Professional development and training opportunities.

• Retirement savings plans and employee wellness programs.

• Opportunity to grow within a reputed banking institution.

Why Join Yes Bank:

• Be part of a forward-thinking, customer-focused banking organization.

• Exposure to diverse retail banking products and innovative financial solutions.

• Work in an inclusive environment that encourages learning, growth, and career advancement.

• Contribute to a bank known for its integrity, reliability, and commitment to excellence.

How to Apply:

Interested candidates can apply online through the official Yes Bank careers portal:

• Submit your updated resume along with a cover letter highlighting relevant experience.

• Shortlisted candidates will be contacted for further assessment and interviews.