Manager - Retail Credit Ops

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 i.e. 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.