Job Purpose:
– Monitoring Process metrics for respective unit in Working Capital segment, also initiating new process changes for the said loans, Supporting the Risk Team/Product Team in identifying and addressing areas of process improvement for better risk management/Customer engagement.
– Raising system enhancements for faster processing of applications and transactions and implementing system driven process checks. Jointly conducting the system testing with other stake holders before implementations.
– Ensure standardized processes with necessary customizations and changes from time to time. Organize and involve in trainings to credit team on system changes and process aspects.
Job Responsibilities(JR) : 6 – 8 Areas
Actionable (4-6)
– Process documentation to ensure accurate implementation of the Credit policy
– To synchronize with the Business & Policy Team to implement efficient processes & systems to increase business with policy adherence.
– Drive down cost of processing
– Modifications/ Enhancements to the systems, to improve efficiency.
– Reduction in wastage during loan processing
– Identifying & Monitoring Non-compliances in processes to enable Cost Savings & reduced wastages
– Meeting of management objectives in the form of number metrics set for the year and demonstrate continuous improvements in the metrics
– Publishing weekly and monthly reports as per objectives
– Publish reports as per timelines set
– Maintain trend lines for all monitored metrics
– Educating locations on methodology and solving queries
– Driving improvements in the National numbers for all metrics
– Data Entry errors to remain within benchmarks prescribed
– Data Quality / Accuracy
– Publishing & monitoring data Error for All products. To monitor Data Error does not cross 5%
– Achievement of Decision TAT
– TAT & TAT related MIS
– Decision TAT publishing & monitoring WIP cases /Publishing Pending MIS including FTNR MIS
– Monitoring & Controlling rework in Credit & Sales
– Tracking various process matrix like approval rates, CPV waivers, Costs, Productivity, TAT
– Constant interaction with line credit team on all the above, and handholding with new process rollout and resolving queries
Educational Qualifications:
Key Skills: MBA – Finance / CA.
– Good Data analysis skills – Proficiency in Excel
– Good Presentation & articulation skills – Proficiency in Power point
– Eye for Detail
– Ability to prioritize tasks and plan for project delivery within time-lines
– Good financial analysis skills
– Experience Required Min 2 year of experience in Line Underwriting function in Retail Assets/SME/Wholesale Credit Preferred
– Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
– Internal Relationships required for execution in this role involve interaction with:
– SME/Wholesale Policy team – Product Risk managers for Secured Loans
– SME/Wholesale Banking Operations – CPU and Branch Process / Control Unit
– Product management team – Product Heads for Secured Loans and product managers in the various roles within product team
– Retail Credit Line teams – RCMs, ACMs managing Secured products
– Central CIC Team
External: Specific vendor interactions for any central level projects taken up and outsourced to vendors
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