Senior Associate /Credit Approver CBG, Risk Management Group

Job Purpose

• To monitor the CSM’s are verifying the KYC & bureau reports for pre login cases and ensure the proposals are logged in as per the login checklist
• To ensure that the team satisfies the due diligence as per internal guidelines
• To oversee the team and ensure seamless login/disbursement/limit-setting and other operations process for the entire region
• Liaison with the CBG Operations Team and ensure timely disbursal of applications
• To ensure the CSMs initiate and follow-up with legal & technical vendors for getting the reports on time
• To ensure that stipulated TAT are met and ensure stakeholder management
• To ensure all processes have adequate controls and must be proactive to detect any risks involved in the processes
• Ensure vendor payments are processed on time
• Core operational responsibilities include risk & controls measures, ensuring satisfactory audit report, data security, sales controls, empanelment documentation, vendor management
• To work as a support mechanism for the sales & credit team to ensure seamless workflow
• To provide solutions for the problems derived and handle escalations
• To track end-to-end complaint management and resolution and do root cause analysis where required
• To develop training materials and coordinate training for all staffs
• To manage KYC and all compliance related processes in the business
• To ensure teams compliance with group policy and standards on money laundering prevention or local regulatory requirements for the prevention of money laundering
• To make sure that all online training is completed by all CSM’s
• Also responsible for post sanction documentations as per the disbursement checklist and sending these files to operations team for storage post disbursement
• Position requires rigorous follow up on clearing ops query on a stipulated TAT
  

Key Accountabilities

• Verification of files including KYCs (Completeness and authenticity) - Maker
• Initiation of checks (CERSAI, Fraud, Legal, technical and KYC) prior to assessment by credit underwriter with the stipulated TAT
• Bureau Trigger
• Preparation of assessment and credit templates
• Coordination with third party vendor for reports as per SLA
• Storage of credit file at the hub
• Maintaining pricing approvals
• Handover of credit file to credit underwriter for decisioning
• Check completeness of post sanction documentation
• Ensure receipt of title documents and vetting completion by external lawyer
• Share soft copies of post sanction documentation with central operations for disbursal
• Send credit files to central operations for storage
• Handle post onboarding customer service request by co ordinating with branches
  

Job Duties & Responsibilities

• Verification of login documents as per login checklist processing
• CA/SA Opening & CIF ID follow up & Obtainment
• Initiation of CERSAI, Fraud, Legal & technical once the file is logged in through SFW
• Preparation of credit tools for assessment
• Follow-up with vendors for getting the reports on time
• Handover of credit file to credit underwriter for decisioning
• Ensure receipt of title documents and vetting completion by external lawyer
• Ensure the disbursal documents are prepared with the coordination of branch team & centralized operations and upload in required in SFW and submit to CBG Operations
• Maintaining the TAT less than 3 days from final approved to disbursement
• Discrepancy Completion - Post Disbursal
• Need to submit the original Documents to CBG Ops within TAT
• Insurance Pendency follow-up & completion
• Following with finance team for Legal & Tech Vendor Payment
  

Primary Location

Job

Schedule

Job Type

Job Posting