Officer

1 month ago


Rajkot, India TATA Capital Full time

**Job Purpose
- Responsible for key operational tasks within the mortgage function and support the senior management team in the effective delivery of the business strategy.

**Responsibilities
**Core Responsibilities**:

- Manage & control all operational functions of the Branch and define roles and responsibilities clearly for all team members.
- Ensure adequate coordination with centralized operations team to maintain high quality service and customer satisfaction.
- Ensure product awareness among operations team to enable them to handle a walk in customer and guide the operations team to cross sell the company’s products to walk in customers
- Accountable for back end operations of the branch and adhere to TAT and SLAs for all operations activities.
- Accountable for accurate cash management and tallying of accounts in the system with the help of tellers and assistant branch managers; ensure compliance of end of day branches reconciliation
- Oversee branches administration activities including coordination with IT, infrastructure, security, secured stationary (operations), unsecured stationary (Admin) and housekeeping
- Ensure process level compliance through accurate document collection from customers and adherence to NHB/RBI regulations around KYC, AML, operational risk, customer service, etc. for branch operations
- Ensure consistency with main operations center policies, procedures and workflow, while maintaining market specific practices necessary for competitive edge.
- Partner with sales production staff and other internal/external departments to establish loan performance expectations and monitor quality assurance and timeliness of processing / underwriting / closing workflow
- Stay abreast of changes related to the mortgage industry and bank changes related to the mortgage department and suggest changes to processes to ensure compliance.
- Foster collaborate relationships with sales managers to ensure optimal communication and focus between sales and processing.
- Ensure nil critical and repeated audit observations as well as nil open customer complaints beyond defined time lines
- Review operational scorecards to determine root cause of exceptions and detect trends. Identify training opportunities, potential system or process enhancements, and performance development needs.


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