Officer-Housing Loan Operations

1. POSITION DESCRIPTION

JOB TITLE

Officer – Housing Loan Operations

GRADE

DM-I

DEPARTMENT

Operations

LOCATION

RO

SUB-DEPARTMENT

Asset Ops

TYPE OF POSITION

Full-time

REPORTS TO

Specialist–Asset Operations

REPORTING INTO

NA

1. ROLE PURPOSE & OBJECTIVE

• Coordinate with business and Vendor for meeting daily productivity against business targets

• Coordinate between Cash Group and Operations for accurate funding

• To resolve customer grievances

• Ensure adherence to process and regulatory compliance

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• NA

• NA

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Process loan within the agreed SLA

• Publish daily MIS to support Business

Customer

• Ensure the branch grievances are addressed and resolved within the stipulated time frame.

• Maintain accuracy in Financial Transactions viz. Loan Amount, Processing Fee, Insurance, and other income and expenses ledgers.

• Timely dispatch of customer collaterals on loan closures

Internal Process

• Tally the Branch Working Date, Cash In Hand & Operations ledgers daily.

• Monitor records unit to ensure process compliance and Customer confidentiality

• Audit of high value documents

• Monitoring of physical documents against image based processing

• Monitoring of post disbursal documents (Ro copy etc.)

• Scrutinize property document against the legal opinion report.

Learning & Innovation

• Update self about SOP’s pertaining to the transactions handled.

• Complete all mandatory self- learning modules in Swayam and attend all classroom trainings nominated to.

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate in any discipline

Experience

• 2+ years of experience; fresher can be considered if they possess the required educational qualifications and aptitude

Certifications

• NA

Functional Skills

• Sound functional knowledge of banking ops processes

• Conversant with core banking applications (Finacle preferred) and CRM applications

• Working knowledge of workflow applications such as Siebel, FCRM etc.

• Usage of MS Excel and MS Word

Behavioral Skills

• Good communication skills – both oral and written

• Good interpersonal management skills

• Problem solving skills

• Decision making ability

Competencies Required

• Building Relationship

• Driving Change

• Planning & Organizing

• Driving Execution

• Collaboration

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Branch Managers

• Branch Operations Officers

• Sales Officers

• Business Analysts and Officers in IT

• NA

PREPARED BY: Operations Team

DATE: 16-08-2022

REVIEWED BY: Rajaneesh HR

DATE: 08-12-2023

LAST UPDATED BY: TM Team

DATE: 09-01-2024