Manager - Retail Credit Ops

2 days ago

Bengaluru, Karnataka, India Mashreq Full time ₹ 5,00,000 - ₹ 15,00,000 per year

Lead a team to provide value added services to activities and functions performed at Retail Credit Operations Unit as listed below:

  • Manage the Operation's process i.e. documentation verification, Disbursal and life cycle servicing for secured products Auto, SME & Mortgage Loans

  • To direct and control loan disbursal process end to end including prescreening, documentation, customer performance checks on existing liabilities and disbursal activities by ensuring that the agreed service standards are met.

  • Ensure ADM are adhered to for transaction processing.

  • Ensure loan applications processing are checked as per standard agreed guidelines and to meet the SLA as per agreed TAT and accuracy.

  • To perform subsequent GL reconciliations and ensure NIL exceptions and reporting.

  • To ensure monthly exception tracking, deferral report escalation and reporting to relevant stake holders with adherence to escalation process

  • To ensure that highest possible quality is maintained in documentation review and transaction execution by the individuals within the team.

  • To ensure appropriate controls are in place to track/monitor the maker checker process with audit trials.

  • To ensure that all required controls, risk factors and procedures are maintained and exceptions (if any) are reported in timely manner to the management.

  • Ensure periodic system access review to ensure that user access levels are in accordance to the job profile, and custody / repository of all process note, Process change memo and SOP updates.

  • To maintain a positive working relationship with personnel of the other sections/divisions.

  • MIS management and weekly/monthly reporting to key business stake holders.

  • To ensure effective coordination with onshore team to meet SLA and TAT.

  • Ensure all activities in the unit are processed in compliance with banks OPM/SOPs.

  • Tracking of system issues and liaising with various departments for issue resolution.

  • Handling of Change Request, BRDs for any new change, business initiative, Product launch with further UAT execution support and sign off. Adherence to Change management guidelines

  • Implementation of Central Bank and Compliance Related Changes

  • Manage Monthly - MER, KRI, RCSA and Reconciliation reporting within the timelines

  • Support Adhoc Business requests

  • Service management for CCU escalations, Customer complaints review and resolution

  • Handle internal and external audits for the unit.

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