Designation: Manager/ Sr. Manager - Central Operation.

Business Vertical: TCHFL/TCFSL

Line of Business: CFAB

Department: Operations

Line Manager : AVP

Location: Thane

No. of Positions: 1

Designation : Senior Manager

Grade: M3/M4

Role ID:

On the rolls of : TCFSL

Job Dimensions

Responsible for handling team: Yes

Total number of reporting staff :

Direct: 5

Indirect:14

Roles reporting into this role:

- Assistant Manager

- Manager

- Senior Officer

- Executive

- Team Leader Contact or Interaction with:

1) Customers: Yes ( LAS)

2) Channel Partners and vendors: Yes

3) Regulators/Statutory Inspectors: Yes

4) Employees: Yes/No

(Sales team, Credit Manager; Branch Ops Team) Travel Required: No

Position Type: Fulltime

Process Owner:

1) LAS Operations

2) Operating Lease operations

3) Vendor Management

4) GL Reconciliation

5) Branch Servicing ( except HL)

6) Compliance

Job Purpose

The central operations team does back office processing for the business team with respect to LAS Operations; Operating Lease operations; Vendor Management; GL Reconciliation; Branch Servicing ( except HL) and Compliance. This role is required to oversee and ensure seamless processing of overall service deliverables within TAT.

Responsibilities

A) Core Responsibilities:

Process owner for all activities relating to Central Operations including LAS Operations; Operating Lease operations; Vendor Management; GL Reconciliation; Branch Servicing ( except HL) and Compliance

- Manage the DSA empanelment process along with key controls & reconciliations

- Ensure timely and correct DSA payouts for HL & HE

- Drive Internal customer satisfaction

- Management of retail and home Loan operations at central operations

- Ensure errorless processing of Terminations / part payments / cancellations / re-schedulements

- Responsible for the Management of KYC, CIBIL reporting & entire operational compliance

- Development and reengineering of operational process ; Identify and drive process improvement opportunities

- Management of files storage and movement

- Operating Lease management

- Oversee and ensure seamless processing of overall service deliverables within TAT.

- Support in seamless management of other operational activities and processes

- Review of MIS and other reports and initiate corrective action, if required

- Liase with other verticals and stakeholders for impending issues and concerns

- Liase with external vendors for ensuring deliverables as per agreed SLA's and impending issues

Team Management

- Responsible for setting goals and targets for the entire team

- Assist and guide the team leaders and managers in their routine activities and for managing complicated issues and escalations

- Ensure team members are updated on policy and process changes on an ongoing basis

- Manpower planning and ensure optimal utilization of available resources

B) Supplementary Responsibilities:

Facilitate smooth conduct and compliance of internal and external Audits.

Facilitate UAT and automation initiatives

C) Records/Trackers/Reports maintained by role:

Review of Trackers, reports and records on an ongoing basis

Oversee and ensure that periodic MIS is published to concerned stakeholders

Interdependencies

Specialized Job Skills and Knowledge:

- Team Management Skills

- Sound knowledge of core operational activities

- Should depict customer centricity in daily behavior

- Operations Planning, compliance and strategy

- Knowledge of Banking/NBFC home / retail loan operations

- Excellent communication and presentation skills

Desired attributes :

- Drive for results

- Interpersonal Effectiveness

- Excellent customer service/ support skills, ability to work well under pressure & a professional demeanor

- Analytical Thinking

- Timely Decision Making

- Networking skills

- Negotiation skills

Job Qualifications

Graduate : B.COM/ B.A / B.Sc

Desired Experience: 5 - 7 years of experience of which min 1 year's retail asset / loan operations.

Other desired attributes:

Masters/Postgraduate: MBA

Certifications: CA

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