- Lead a team to provide value added services to activities and functions performed at Retail Credit Operations Unit as listed below:

- Manage the Operation's process documentation verification, Disbursal and life cycle servicing for secured products Auto, SME & Mortgage Loans.

- To direct and control loan disbursal process end to end including prescreening, documentation, customer performance checks on existing liabilities and disbursal activities by ensuring that the agreed service standards are met.

- Ensure ADM are adhered to for transaction processing.

- Ensure loan applications processing are checked as per standard agreed guidelines and to meet the SLA as per agreed TAT and accuracy.

- To perform subsequent GL reconciliations and ensure NIL exceptions and reporting.

- To ensure monthly exception tracking, deferral report escalation and reporting to relevant stake holders with adherence to escalation process.

- To ensure that highest possible quality is maintained in documentation review and transaction execution by the individuals within the team.

- To ensure appropriate controls are in place to track/monitor the maker checker process with audit trials.

- To ensure that all required controls, risk factors and procedures are maintained and exceptions (if any) are reported in timely manner to the management.

- Ensure periodic system access review to ensure that user access levels are in accordance to the job profile, and custody / repository of all process note, Process change memo and SOP updates.

- To maintain a positive working relationship with personnel of the other sections/divisions.

- MIS management and weekly/monthly reporting to key business stake holders.

- To ensure effective coordination with onshore team to meet SLA and TAT.

- Ensure all activities in the unit are processed in compliance with banks OPM/SOPs.

- Tracking of system issues and liaising with various departments for issue resolution.

- Handling of Change Request, BRDs for any new change, business initiative, Product launch with further UAT execution support and sign off.

- Adherence to Change management guidelines.

- Implementation of Central Bank and Compliance Related Changes.

- Manage Monthly MER, KRI, RCSA and Reconciliation reporting within the timelines.

- Support Adhoc Business requests.

- Service management for CCU escalations, Customer complaints review and resolution.

- Handle internal and external audits for the unit.