Fixed Term Appointment, Asset Operations, Consumer Banking group Operations, Technology and Opeations

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
The role is towards processing of home loans in central operations domain and would include file processing for credit approval, Pre-disbursal, Post-disbursal and Post sales support.
Key Accountabilities
Retail Home loan product knowledge (home saver product in particular)
Home Loan processing from approval to post sales support
Domain expertise on core-processing of Mortgages
Liaison with verification, legal and valuation team
Liaison with all internal & external stakeholders (Agencies / Vendors) to ensure smooth flow of Operations
Requirement
Job Duties & responsibilities
Ensure the procedures / SOPs / Manuals are created & maintained in line with the NPA, RAC – Credit Policy and other internal / external guidelines
Ensure all BOD and EOD responsibilities are adhered to in line with the checklists
Ensure all internal & external reports are prepared / checked / circulated in line with the stakeholder requirements and the agreed process
Identify any process risks and proactively bring them to the notice of the line manager
Work with the line manager in creating / implementing the risk mitigation actions for the operation supported
Perform the UAT as desired by the Operations / Business and clearly document the results including reporting them in time to the respective stakeholders
Work with all stakeholders in ensuring a positive customer experience in the processing
Ensure strict adherence to the Service Levels (TAT / SL agreed) and any exceptions are immediately reported to the line manager along with appropriate reasons
Proactively support the colleagues in coaching / mentoring on the process / product as appropriate (and whenever assigned by the line manager)
Ensure compliance with all internal & external policy & audit requirements (including but not limited to Legal / Compliance / Operational, etc)
Maintain all registers & files as required by the Operations unit (Example: FRFC Key Register, Document Control register, In & Outward register, etc)
Verifications are initiated and tracked for receipt (Customer & Collateral). Disbursal checks are ensured in line with the manuals / Policy / SOPs and funds are disbursed
Tracking of OTC & PDD documents and update to the system. Ensure Welcome Kit request and dispatch on time
Archive the files as per the process
All post disbursal and service related requests are handled in line with the procedures
Possess good knowledge of ROI, PF, Office Accounts, DIR & LTV (exposure)
CIBIL report generation & CERSAI handling (enquiry, register the entry & remove the entry)
Communication to the customer (dispatch of letters)
Contribute for the process enhancements and cost saves while improving / without negatively impacting the customer experience
High governance standards
Required Experience
Atleast 5-7 years in Retail Home Loan processing
Basic banking experience is an added advantage
Education / Preferred Qualifications
Graduation from any recognised university
Core Competencies
Expertise in Home Loan Processing
Good communication skills
Technical Competencies
Retail Home Loan Processing
Retail Home Loan system enhancements
Retail Home loan post sales support
Work Relationship
Team Player
Commitment and Integrity
Location:
Technology Centre
Job:
Operations
Schedule:
Contract (Fixed Term)
Employee Status:
Full time