Strengthening its risk leadership, YES Bank has appointed Dr. Manauar Jawed as, as it continues to expand its retail, MSME, rural, and digital banking capabilities.
In this role, Dr. Jawed will lead credit risk across the bank’s Retail, Rural, and Micro Enterprises businesses. He brings deep expertise across credit risk, retail lending, unsecured loans, mortgages, digital lending, microfinance, agri finance, vehicle loans, dealer finance, and credit governance.
Before joining YES Bank, Jawed served as Chief Credit Officer at Aditya Birla Finance Limited, where he led credit strategy and governance across lending portfolios. His responsibilities included credit decisioning, risk frameworks, portfolio quality, and aligning credit with business growth.
Earlier at Aditya Birla Finance Limited, he was EVP, Head – Retail Credit, overseeing unsecured, mortgage, and digital portfolios. In this role, he strengthened retail credit processes and supported growth across consumer and digital lending segments.
Prior to this, Dr. Jawed held multiple senior leadership roles at HDFC Bank. These included Head – Product Risk across unsecured, mortgage, car and two-wheeler, and dealer finance portfolios, as well as Senior Vice President – Credit, where he managed credit responsibilities across unsecured, mortgage, car and two-wheeler, microfinance, agri, and tractor loans.
He also served as Regional Credit Head/Manager at HDFC Bank, building strong expertise in regional credit operations, portfolio management, underwriting, risk controls, and retail lending execution. Over his career, he has developed scalable credit frameworks across diverse customer and business segments.
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