Mumbai, Maharashtra, India, April 2026 — Dr. Manauar Jawed has joined YES BANK as Head – Credit Risk, Retail, Rural and Micro Enterprises, bringing extensive experience across credit risk, retail lending, unsecured loans, mortgage, digital lending, microfinance, agri finance, vehicle loans, dealer finance, and credit governance.
In his new role at YES BANK, Dr. Manauar Jawed will lead credit risk for the bank’s Retail, Rural, and Micro Enterprises businesses. His appointment strengthens the bank’s risk leadership as it continues to scale its retail, MSME, rural, and digital banking capabilities across India.
Before joining YES BANK, Dr. Jawed served as Chief Credit Officer at Aditya Birla Finance Limited, where he led credit strategy and governance across lending portfolios. His role involved credit decisioning, risk frameworks, portfolio quality, and business-aligned credit leadership across financial services.
Earlier at Aditya Birla Finance Limited, he served as EVP, Head – Retail Credit, covering unsecured, mortgage, and digital portfolios. In this role, he strengthened retail credit processes and supported growth across key consumer and digital lending categories.
Prior to Aditya Birla Finance, Dr. Jawed held senior leadership roles at HDFC Bank, including Head – Product Risk across unsecured, mortgage, car and two-wheeler, and dealer finance portfolios. He also served as Senior Vice President – Credit, handling credit responsibilities across unsecured, mortgage, car and two-wheeler, microfinance, agri, and tractor loans.
Dr. Jawed’s long association with HDFC Bank also included his role as Regional Credit Head/Manager, where he built deep experience in regional credit operations, portfolio management, underwriting, risk controls, and retail lending execution. Across his career, he has developed strong expertise in building scalable credit frameworks for diverse customer and business segments.
About YES BANK
YES BANK is a leading Indian private sector bank with more than 1,200 branches nationwide and a dedicated team of YES BANKers. The bank operates across Retail, MSME, and Corporate Banking sectors and offers a wide range of financial services to individuals, businesses, and communities.
YES BANK focuses on innovation, transparency, digital banking, customer relationships, and responsible risk management. The bank leverages technology and industry insights to meet the evolving needs of customers and plays a significant role in India’s digital payments ecosystem, with one in three UPI transactions in the country processed by YES BANK.
Read Also : When HR “Produces Nothing”: A Response to Jennifer Sey’s Anti-HR Vision
The Fine Balance: Navigating Work, Life, and Mental Wellbeing
Mind the Leadership Gap – From Learning to Real-World Impact
How the Adecco Group is empowering its employees for the future of work
