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Pre Disbursement Activities
Prepare and issue required letters like sanction letters, amendment letters, ROI based on credit decisions/ sanction note within given timelines
Deliver standard legal and security documents to the Relationship Manager, depending on type of product and security within stipulated timelines
Verify and execute complex documentation in full compliance with the internal standards and external regulatory qualifications
Scrutinize client 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 client and make sure pre-activation check points are completed
Track and update PDDs and OTC in the system/ excel for new/existing release of limits.
Make sure daily execution of documentation in full compliance with the internal standards and external regulatory qualifications
Make sure timely preparation and issuance of required letters like sanction letters, amendment letters, ROI based on credit decisions/ sanction note
Make sure standard legal and security documents are given to the Business group, depending on type of product and security within stipulated timelines
Make sure client submitted documents are checked within the given timelines. In case of discrepancies, share details with Relationship Manager to complete/ rectify the documentation
Back up in smooth resolution of complex documentation issues
Post Disbursement
Make sure follow ups of outstanding PDDs/OTC and look into escalation cases, where required
Make sure completion of all activities related to security perfection of assets - CERSAI
Make sure renewal tracking done by the group and make sure that renewal letters are prepared and issued within stipulated timelines Supervise the loan booking and servicing activities for their respective zones and make sure they are completed within the stipulated TAT
Make sure that only completed files are getting processed by the operations group at the branch level
Handle service level escalations and complaints for HNI clients and authorise high value transactions / complex/ structured transactions.
Oversee closure and foreclosure activities at the branches
Make sure data and evidence for all legal litigation cases of defaulters on a case to case basis
Oversee post disbursement documentation by conducting follow ups with stakeholders, reporting discrepancies to the Management and updating the system on a periodic basis
Make sure updation of drawing power in case of stock based limits
Make sure renewal of insurance on collateral to safeguard the portfolio
Process Controls & Checks
Make sure all policies and processes related to loan processing and disbursement are up to date and followed by the group
Conduct internal branch audits at regular intervals to make sure there are no critical observations
Sustain performance metrics, defect ratio and make sure SLAs are met within the agreed timelines
Make sure ROC, CERSAI and SRO charge registration is completed within given timelines
Stakeholder/ Vendor
Management
Make sure requests of all case logins from branches are being timely attended by vendors. Escalation point for issues in logins
Make sure that the group is having regular interactions with the Relationship Manager to complete correct documentation at the client's end
Attend meetings with Sales and Risk group to discuss outstanding PDDs/OTCs, issues and escalations
Liaise with statutory, regulatory and external third parties for conducting audits for branches in their zones
Liaise 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
Make sure adherence on all policies and processes related to loan processing and disbursement within the Retail Assets operations group
Make sure timely submission of data, files for audit to concurrent, internal & statutory auditors
Sustain data for tracking performance metrics, defect ratio and SLAs and identify trends/ patterns that need to be addressed in order to drive greater efficiencies
Make sure 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 milestones
Work on vendor empanelment processes and contracting and make sure 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.
This opening is for the Branch Operations Manager position in Noida - Sector 3.
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 3-7 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Branch Operations Manager at Aditya Birla Group.
This role requires around 3-7 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.