RO:RL - Operation Area Operations Manager - Retail

About Retail Lending:

The Retail Lending department focuses on the lending business of the bank by offering various loan products like home loans, car loans, and personal loans among others. They also offer working capital loans and business loans for small businesses and is also responsible for the rural lending business of the bank

About the Role:

The Area Operations Manager leads a team of operations officers and is responsible for processing of loans, post verification of customer KYCs and loan agreements. The job holder is also responsible for dispatching such files with proper system updation to central storage, reconciliation with central team and managing the repayment instrument dispatch

Key Skills:

1. Strategic Planning: Developing and implementing operational strategies to improve efficiency, customer satisfaction and profitability.
2. Customer Focus: Ensuring delivery of high levels of customer service and address customer inquiries and complaints effectively.
3. Financial Acumen: Understanding of financial statements, budgeting and financial performance metrics.
4. Risk management: Identifying, assessing and mitigating operational risks to ensure the safety and soundness of banking operations.
5. Regulatory Knowledge: Deep understanding of banking regulations and compliance requirements

Key Responsibilities:

• Handle customer queries and provide appropriate solutions while maintaining high service standards
• Process loan documents submitted for account opening and ensure its subsequent disbursement
• Validate the submitted documents as per bank’s process and policies
• Responsible for the dispatch of disbursed files, repayment instruments etc., to central storage post updating the same in system
• Reply/revert on time for concurrent audit queries and ensure that satisfactory audit ratings are obtained
• Create a performance oriented environment leading to high employee motivation and productivity
• Ensure that all staff are adequately trained on the processes and various policies of the bank

Qualifications:

Optimal qualification for success on the job is:

• Graduation/ Post-Graduation from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

• Knowledge of Finacle/ other banking software.
• Good communication (both written and verbal) and presentation skill
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.
• Ability to handle pressure and meet deadlines.