Job Purpose
- To manage direct offshore comprising the e2e onboarding process of retail products
- To direct and control Personal Loans and Cards application processing end to end including underwriting, CPV and Disbursal processes by ensuring that the agreed service standards are met.
- To review the cases to ensure that all product Parameters and policy criteria are met
- Ensure Personal Loans and Cards applications processing are checked and to meet the SLA as per agreed TAT and accuracy
- To ensure monthly exception tracking and reporting to relevant stake holders with adherence to escalation process
- To ensure that highest possible quality is maintained in e2e onboarding process of retail products by the individuals within the team.
- To ensure that all required controls, risk factors and procedures are maintained.
- To maintain a positive working relationship with personnel of the other sections/divisions/onshore / offshore teams
- MIS management and weekly/monthly reporting to key business stake holders
Key Result Areas
- SLA/TAT: Ensure daily SLA achieved by a combination of monitoring and reviewing performance, spot checks and ensuring team discipline. Also ensure that all queries related to routine activities are responded by the concerned units within the time frames pre-specified. Constantly focus on data entry quality/credit policies to increase the approval rate.
- Team Management: Efficient and effective handling of team in order to surpass the departmental goals in particular and organizational goal in general. To approve changes to enhance and improve Process. Increase productivity and improve Leaders skills.
- Credit: Good knowledge of credit policies pertaining to retail products and adherence to the parameters fixed as per country credit risk team.
- Risk: Manage risks through exception reporting and reviewing applications processed. Ensure that all procedures laid down in the Operating procedures, PPG are adequately followed.
- Interdependent co-ordination: To work closely with the other unit managers of / Business partners, Risk team to enable optimum co-ordination between the functioning of the units as well as enable adequate capacity planning to respond to forthcoming business volumes.
- Escalation: Keep Unit/Division Heads advised of the regular activities and in particular, escalate exceptional occurrences, to enable appropriate action as well as report extraordinary occurrences and corrective and preventive actions taken.
- Audit: To obtain satisfactory in group and other internal audits.
Knowledge, Skills and Experience
- High level of maturity and good communication skills are required to balance the needs and expectations of internal and external stakeholders and staff
- Good managerial and interpersonal skills with an ability to supervise teams
- Sound knowledge of credit policies and understanding of systems
- In depth knowledge of procedures pertaining to cards data entry/CPV processes
- Must be able to work under pressure with short/ challenging deadlines
- Graduate with 5+ years work experience in Retail products onboarding environment
- Good analytical skillsShould have handled a similar role for atleast 2-3 years
