Job Description

#

Specialist-Housing Loan Operations

Multiple locations








Department
EAST ASSET OPERATIONS
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
8 years - 10 years

POSITION DESCRIPTION

JOB TITLE

Specialist-Housing Loan Operations

GRADE

SM

DEPARTMENT

Operations

LOCATION

RO

SUB-DEPARTMENT

Asset Ops

TYPE OF POSITION

Full-time

REPORTS TO

Manager-Housing Loan Operations

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

Responsible for smooth working of Assets Operation Responsible for daily Reconciliation of GL & Disbursement Process Responsible for timely closure SR and Complaint Coordinate with Business for closure of the issue Vendor management and timely renewal of vendor agreement Coordinate between Payments unit for accurate funding Ensure adherence to process and regulatory compliance Responsible for timely implementation of regulatory circulars relating to Assets Operations

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

CAPEX / OPEX Budgets resting with the role*
Total Buying / Procurement*
Total Revenue*
Portfolio Managed*
Number of vendors / consultants*
Number of portfolio products*
Volume of products and services*
Quantity of equipment / stocks / projects / etc.*

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Process loan within the agreed SLA Publish daily MIS to support Business

Customer

Ensure the branch grievances are addressed and resolved within the stipulated time frame. Maintain accuracy in Financial Transactions viz. Loan Amount, Processing Fee, Insurance, and other income and expenses ledgers. Zero Instances of wrong disbursements 100% reconciliation of Loans Disbursed Vs mandate Registered/Rejected Managed Operation Service Quality Index properly and work on it's Improvement

Internal Process

Tracking of documents received and handled at RO Daily recon of Cash In Hand & Operations ledgers. Monitor records unit to ensure process compliance and Customer confidentiality Audit of high value documents Monitoring of physical documents against image-based processing Monitoring of post disbursal documents (Ro copy etc.) Scrutinize property document against the legal opinion report.

Learning & Innovation

Learning of new process of other Units Update self about SOP's pertaining to the transactions handled. All assigned modules for the Team to be completed in Swayam Skip- level meetings / townhalls/Online with members of teams managed - at least 1 per month Attrition in units managed should be reduced by a factor of 5% vis-a-vis actual annualized attrition rate of 2021-22. Back up Identification and training of all critical roles.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate in any discipline

Experience

7+ years of experience;

Certifications

Banking Exams*

Functional Skills

Sound functional knowledge of banking ops processes Conversant with core banking applications (Finacle preferred) and CRM applications Working knowledge of workflow applications such as Siebel, FCRM etc. Usage of MS Excel and MS Word

Behavioral Skills

Good communication skills - both oral and written Good interpersonal management skills Problem solving skills Decision making ability

Competencies Required

Multitasking ability Building Relationship Driving Change Planning & Organizing Driving Execution Collaboration

KEY INTERACTIONS

INTERNAL

EXTERNAL

Business Team Branches SQ, Digital, Vigilance and Phone Banking & IT Other internal team in Operation VENDORS * Other Banks