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 supportDomain expertise on core-processing of MortgagesLiaison with verification, legal and valuation teamLiaison 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 guidelinesEnsure all BOD and EOD responsibilities are adhered to in line with the checklistsEnsure all internal & external reports are prepared / checked / circulated in line with the stakeholder requirements and the agreed processIdentify any process risks and proactively bring them to the notice of the line managerWork with the line manager in creating / implementing the risk mitigation actions for the operation supportedPerform the UAT as desired by the Operations / Business and clearly document the results including reporting them in time to the respective stakeholdersWork with all stakeholders in ensuring a positive customer experience in the processingEnsure strict adherence to the Service Levels (TAT / SL agreed) and any exceptions are immediately reported to the line manager along with appropriate reasonsProactively 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 disbursedTracking of OTC & PDD documents and update to the system. Ensure Welcome Kit request and dispatch on timeArchive the files as per the processAll post disbursal and service related requests are handled in line with the proceduresPossess 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 experienceHigh governance standards Required Experience Atleast 5-7 years in Retail Home Loan processingBasic banking experience is an added advantage Education / Preferred Qualifications Graduation from any recognised university Core Competencies Expertise in Home Loan ProcessingGood communication skills Technical Competencies Retail Home Loan ProcessingRetail Home Loan system enhancementsRetail Home loan post sales support Work Relationship Team PlayerCommitment and Integrity Location: Technology Centre Job: Operations Schedule: Contract (Fixed Term) Employee Status: Full time