Branch Operations Manager_Jobner

Pre Disbursement Activities

Prepare and issue required letters like sanction letters, amendment letters, ROI based on credit decisions/ sanction note within given timelinesProvide standard legal and security documents to the Relationship Manager, depending on type of product and security within stipulated timelinesVerify and execute complex documentation in full compliance with the internal standards and external regulatory requirementsScrutinize customer documents to check if in order. In case of discrepancies, share details with Relationship Manager to complete/ rectify the documentation.Check facility legal & security documents executed by the customer and ensure pre-activation check points are completedTrack and update PDDs and OTC in the system/ excel for new/existing release of limits.Ensure daily execution of documentation in full compliance with the internal standards and external regulatory requirementsEnsure timely preparation and issuance of required letters like sanction letters, amendment letters, ROI based on credit decisions/ sanction noteEnsure standard legal and security documents are given to the Business team, depending on type of product and security within stipulated timelinesEnsure customer submitted documents are checked within the given timelines. In case of discrepancies, share details with Relationship Manager to complete/ rectify the documentationSupport in smooth resolution of complex documentation issues

Post Disbursement

Ensure follow ups of outstanding PDDs/OTC and look into escalation cases, where requiredEnsure completion of all activities related to security perfection of assets - CERSAIEnsure renewal tracking done by the team and ensure that renewal letters are prepared and issued within stipulated timelines Supervise the loan booking and servicing activities for their respective zones and ensure they are completed within the stipulated TATEnsure that only completed files are getting processed by the operations team at the branch level Handle service level escalations and complaints for HNI customers and authorise high value transactions / complex/ structured transactions.Oversee closure and foreclosure activities at the branchesEnsure data and evidence for all legal litigation cases of defaulters on a case to case basis Manage post disbursement documentation by conducting follow ups with stakeholders, reporting discrepancies to the Management and updating the system on a periodic basisEnsure updation of drawing power in case of stock based limitsEnsure renewal of insurance on collateral to safeguard the portfolio

Process Controls & Checks

Ensure all policies and processes related to loan processing and disbursement are up to date and followed by the teamConduct internal branch audits at regular intervals to ensure there are no critical observationsMaintain performance metrics, defect ratio and ensure SLAs are met within the agreed timelinesEnsure ROC, CERSAI and SRO charge registration is completed within given timelines

Stakeholder/ Vendor

Management

Ensure requests of all case logins from branches are being timely attended by vendors. Escalation point for issues in logins Ensure that the team is having regular interactions with the Relationship Manager to complete correct documentation at the customer’s endAttend meetings with Sales and Risk team to discuss outstanding PDDs/OTCs, issues and escalationsLiaise with statutory, regulatory and external third parties for conducting audits for branches in their zonesLiaise with external vendors for storage of property related documentation, prepare and sign an agreement with the vendor and conduct regular audits at vendor site

Compliance Management & Reporting

Ensure adherence on all policies and processes related to loan processing and disbursement within the Retail Assets operations teamEnsure timely submission of data, files for audit to concurrent, internal & statutory auditorsMaintain data for tracking performance metrics, defect ratio and SLAs and identify trends/ patterns that need to be addressed in order to drive greater efficienciesEnsure all compliance points of Operations functions which is signed off for the board quarterly, are taken care of while processing.

Stakeholder/ Vendor

Management

Work with Business teams, Risk & Compliance, Legal & IT as well as Collections teams to agree process improvements and identify solutions Facilitate statutory, regulatory and external third parties during key audit/ compliance/ transaction milestonesWork on vendor empanelment processes and contracting and ensure proper movement of transactions to & from the vendor’s desk.Work closely with key individuals within cross functional teams wherever processes are interlinked with our function.