Analyst-Credit Central Office

1 week ago

mumbai, India IDFC FIRST Bank Full time

Role/ Job Title:  Analyst – Credit Central Office 

Function/ Department:  Retail Underwriting

Job Purpose:

A Center of Excellence (COE) is at heart a group of people – experts in business process management, customer relationship management, and business domain, equipped with an arsenal of best practices and tools. A mature COE is a self-directing entity responsible for supporting business users and shepherding complex projects to successful completion. The purpose of COE is to empower enterprises to get the most out of standardized process , not only within key teams but across the entire organization. A COE links the big-picture strategy with day-to-day operations, documents lessons learned and best practices, and makes it easier for different groups to reuse and adapt proven solutions. Because it brings together smart people and cutting-edge technology from all parts of the enterprise, a COE will also play an important role in digital transformation of credit.

Roles & Responsibilities:

Lead the LAP business to expand volume of business and profitability of products and portfolio. Explore process optimization methods through automation or policy changes for improving zero ops scorecard. Make customer journey processes more efficient resulting in better customer experience and reduced E2E TAT. Identify improvement in end-to-end processes through removal of non-core activities, increase in efficiency through new builds and parametrization. Drive the yearly budget and YOY reduction in total processing cost. Work with credit, collection, product and policy teams to improve end to end process and portfolio quality.  Drive end to end innovation implementation from POC, designing to launch and adoption of the build. Retrospective analysis of journey processes, analyze the data (Eg. rationalization of deviations and skewness of file flow at a particular level) and suggest measures to improve the quality of processes. SOP creation & modification, identifying risks and taking proactive action. Demonstrate expertise in getting industry benchmarks and suggest ways to resolve gaps between current and industry benchmarks. Work closely with Planning & Monitoring teams to ensure SLA constraints are met and take actions to resolve any breaches. Leverage industry practices to suggest ways to match company practices with industry benchmarks. Work with business teams and credit teams to drive adoption of the builds/changes implemented. Liase with the product team and projects team on effective manpower planning to land the builds on time. Improvement in zero ops scorecard, FTNR, TAT, portfolio quality; Improvement in productivity; Reduction in YOY processing costs; Adherence to budget targets.

Education Qualification: 

Graduation: Bachelor’s in Engineering / Technology / Management/ Computers/Science.

Post-graduation: MBA.

Experience:  5-10 years of relevant experience.

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