Job Description

Business Function
Group Technology and Operations (T&O) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality & control, technology, people capability and innovation. In Group T&O, we manage the majority of the Bank's operational processes and inspire to delight our business partners through our multiple banking delivery channels.
Job Purpose
The role is towards processing of home loans in central operations domain and would include file processing for credit approval, Pre-disbursal, Post-disbursal and Post sales support.
Requirements
Key Accountabilities
The job entails the following key functionalities:

• Retail Home loan product knowledge (home saver product in particular)
• Home Loan processing from approval to post sales support
• Domain expertise on core-processing of Mortgages
• Liaison with verification, legal and valuation team
• Liaison with all internal & external stakeholders (Agencies / Vendors) to ensure smooth flow of Operations

Job Duties & Responsibilities
The job duty for the role is to understand the entire gamut of Retail Home Loan processing and team management.

• Ensure the procedures / SOPs / Manuals are created & maintained in line with the NPA, RAC - Credit Policy and other internal / external guidelines
• Ensure all BOD and EOD responsibilities are adhered to in line with the checklists
• Ensure all internal & external reports are prepared / checked / circulated in line with the stakeholder requirements and the agreed process
• Identify any process risks and proactively bring them to the notice of the line manager
• Work with the line manager in creating / implementing the risk mitigation actions for the operation supported
• Perform the UAT as desired by the Operations / Business and clearly document the results including reporting them in time to the respective stakeholders
• Work with all stakeholders in ensuring a positive customer experience in the processing
• Ensure strict adherence to the Service Levels (TAT / SL agreed) and any exceptions are immediately reported to the line manager along with appropriate reasons
• Proactively support the colleagues in coaching / mentoring on the process / product as appropriate (and whenever assigned by the line manager)
• Ensure compliance with all internal & external policy & audit requirements (including but not limited to Legal / Compliance / Operational, etc)
• Maintain all registers & files as required by the Operations unit (Example: FRFC Key Register, Document Control register, In & Outward register, etc)
• Verifications are initiated and tracked for receipt (Customer & Collateral). Disbursal checks are ensured in line with the manuals / Policy / SOPs and funds are disbursed
• Tracking of OTC & PDD documents and update to the system. Ensure Welcome Kit request and dispatch on time
• Archive the files as per the process
• All post disbursal and service related requests are handled in line with the procedures
• Possess good knowledge of ROI, PF, Office Accounts, DIR & LTV (exposure)
• CIBIL report generation & CERSAI handling (enquiry, register the entry & remove the entry)
• Communication to the customer (dispatch of letters)
• Contribute for the process enhancements and cost saves while improving / without negatively impacting the customer experience
• High governance standards

Required Experience

• Atleast 5-7 years in Retail Home Loan processing
• Basic banking experience is an added advantage

Education / Preferred Qualifications

• Graduation from any recognised university

Core Competencies

• Expertise in Home Loan Processing
• Good communication skills

Technical Competencies

• Retail Home Loan Processing
• Retail Home Loan system enhancements
• Retail Home loan post sales support

Work Relationship

• Team Player
• Commitment and Integrity

Skills Required