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

• Manage Priority Sector Lending Operations responsible for specific loan products - Co lending, BC Lending, Direct Assignment deals.

• Processing of Loan transactions as per the agreed SLA
• Ensure adherence to the regulatory / SOP guidelines.
• Pass requisite reconciliation entries so as to keep the accounts clean
• Manage the processing makers and ensure they are trained and abreast of the process changes.

• Ensure smooth day to day loan operations for Co lending, Direct assignment processes.
• Improve operational Controls and ensure Compliance to all regulations pertaining to Loan and priority sector / securitization guidelines.
• Loan Disbursal & Loan Servicing (Interest reset, Rollover, Restructuring, Advices, Rate Uploads)
• Analyzing & Improvising various transactional reports & Customer Advices.
• Assist in reviewing/developing Department Operating Instructions and ensure adherence of Policy and Procedures.
• Key role in the UAT & the Project Team in the Successful Implementation of Loan processing System.
• Support digital Strategy of the bank.
• Vendor Management and control.
• Partnering Business team in successful rollout of various PSL products
• Project Management.
• Management Reporting
• Effective Relationships with Senior Management, Internal & External Customers.
• Ensuring the GLAO and other reconciliations are performed in timely manner

• Candidate should have Minimum 12-13 Years' experience in Loan Operations and customer onboarding / KYC.
• Should have strong knowledge of various corporate and retail loan aspects wrt. Disbursement parameters, EMI calculation, loan servicing products.
• Should have strong analytical & interpersonal skills
• Excellent Client / Customer management skills, business orientation.
• Handling all types of customer complaints, enquiries Queries. Interacting with beneficiary / beneficiary bank / issuing bank regarding any clarification with respect to loan/securitization transactions.
• Should possess good MS excel capabilities and have a proven track record in working with such projects.

• Graduate / Post-Graduate with relevant work experience in working in the Loan Ops Unit.

• Process Management
• Strategizing and Problem-solving skills
• Interactive to communicate with different stakeholders.

• Excellent hold of MS Excel capabilities
• Good Computer Skills
• Overview of systems used in Cash Operations