Job Purpose - Unit Head is a vital link between Team Leader, authorizer & inputter staff catering to multiple business segments.

Ensuring dynamic floor management, appropriate distribution of work, ensuring TAT is met on an ongoing basis, ensuring accuracy in limit setting, data capture, etc., coordinating with audit, liaising with Credit / legal, etc. for clarifications, handling second level escalation, guiding the team on documentation / query resolution / process, implementation of new processes & ensuring ongoing adherence, etc.

Job Description

1. Appropriate floor management to ensure that files are processed in FIFO basis and as per agreed TAT.

2. Ensuring correctness & completeness of security documentation as per CAM, Credit Policy & Legal opinion.

3. 100% accuracy in setting limits in core / other support systems that have financial impact.

4. 100% Accuracu in Stock statements, insurance, LAD updation and other post monitoring activities

5. Co ordinating with Business/Credit/Legal for all SBLC/SBBG related matters and act as a custodian

6. Coordinating with Credit / Legal for appropriate clarifications - suo moto / basis business contention.

7. Handling complicated / unique cases & providing guidance to inputter / authorizer.

8. Ensuring that audit queries / observations are addressed in a timely & satisfactory manner. To ensure - Satisfactory- audit rating on an ongoing basis for the function.

9. Digital Signing of CHG-1 & CHG-4 for creation & satisfaction of charge with ROC.

10. Understanding & implementing process changes necessitated by change in Credit policy, legal requirement & / or business dynamics, and ensuring ongoing adherence basis periodic reviews.

11. Ensuring adherence to processes, particularly with reference to Basel requirements, on a continual basis. To work closely with Basel team to identify areas for automation / mistake-proofing, to reduce probability of wrong data capture.

12. Chipping in as authorizer as & when situation demands.

13. Conducting periodic meetings with business segments to elicit feedback, share concerns, etc.

14. People management skills - to know the art of taking the team along, groom them with appropriate exposure, show a career path, reward & recognize suitably, encourage to take up higher responsibilities, appropriate on-boarding of new staff, work-life balance, training, mandatory leave / Comp-off, team cohesiveness, etc.

15. Undertake projects / periodic housekeeping activities to ensure data relevance in a dynamic business environment.

16. Reviewing team members- performance against mean, and adopting suitable corrective measures to reduce overall span.

17. Proactively indentify automation opportunity, review & make processes lean for better TAT & customer delight.

18. Identify areas for enhanced controllership, cost reduction, productivity improvement, etc.

19. Monitor all internal MIS reports as & when published, to promptly rectify & also fix process gaps, if any.

Educational Qualification

- Graduation:

- Post-Graduation:

- CA / Grad. CWA / CS, or any other equivalent qualification.

Key Skills

- Banking Product & Process Knowledge

- Product and Regulatory Knowledge

- Planning and Organizing Skills

- Communication

- Knowledge of Competition & Current trends in financial Industry.

- System knowledge

Major Stakeholders

- Customers

- Branch Banking Team

- Operations

- NR Product Team

- Treasury

- HLIC

- Insurance CAM

- MF Fund houses personnel

- HSL personnel

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