The purpose of this job is to oversee and handle day-to-day branch operations and administration in relation to disbursement of home loans. The role will ensure timely closures by following regulatory guidelines and optimal customer management by addressing escalations and delinquency in a proactive manner. It will also ensure high customer satisfaction by delivering efficient services through timely query resolution. The role is responsible to manage branch performance metrics by ensuring zero escalations & minimum delinquencies and present data to the zonal head on an ongoing basis. It will work closely with Credit and Collections teams to ensure smooth processes for disbursement and post disbursement activities The role is involved in evaluation, reporting and recommendation of improvements on the adequacy and effectiveness of processes at the branch level. It will manage both-internal & external audit of the branch, and take action on the finding and recommendations suggested.
KRA (Accountabilities) (Max 1325 Characters)
Supporting Actions (Max 1325 Characters)
KRA1
Oversee & Drive Branch Operations
Drive branch operations in a manner that all the loans are processed and disbursed to customers within the stipulated TAT
Ensure that all the branches receive completed files from the Credit team with customer collaterals (loan documents, agreements, KYC, credit verification, etc) within defined SLAs
Ensure that the team has scrutinised all files for discrepancies and the necessary action is taken to complete the files
Ensure optimization of resources and monitor over all end - to - end transaction queues
Responsible for fund management and closure - post closure documentation for NOC processing
Monitor timely dispatch of loan disbursal kits
Manage both - internal & external audit of the branch, and take action on the finding and recommendations suggested
Ensure regular review of processes is undertaken and potential risks are mitigated from time to time
Liaise with other branches to learn their best practices and adopt them
Recommend process level changes based on feedback received from the team, other supporting departments, external market trends
Manage post disbursement documentation by conducting follow ups with stakeholders, reporting discrepancies to the Management and updating the system on a periodic basis
KRA2
Performance Parameters
Drive process efficiency by meeting SLAs during transactions
Ensure reduction in errors and minimum critical escalations
Keep FTR% and Performance% in check
Maintain the process quality and resolve errors in minimum TAT
Keep a check on regulatory norms and ensure data is easily and accurately available to respond to audit queries
Ensure Follow through on post disbursement processes within agreed TATs
Review processes and user guidelines on a periodical basis and make/ recommend the necessary changes
KRA3
Customer Management
Engage with customers depending on the value or complexity of the case.
Guide & support the collections team in case of any delinquencies in late payment
Seek out and implement ways to increase client satisfaction through efficient client management
KRA4
MIS and Reporting
Monitor performance parameters on a regular basis and take remedial measures
Oversee the creation of periodic MIS and provide the same to the Zonal Head, together with specific insights to enable them to take critical management decisions
Review process adherence, drive audit compliance and take remedial measures to reduce audit queries.
KRA5
Team Management
Align the team with the overall branch objectives by creating awareness about the performance parameters
Build capability in the team by reviewing performance on a continuous basis and provide training opportunities on desired aspects
Encourage the team to develop innovative solutions to existing problems in transactions and support in their implementation.
KRA6
Client Servicing
Handling branch walkin for all the service requests
On time query resolution
CRM Creation and Assignment/resolution
One ABC portal registration
