lavori da Supervisor in località Italia

Company Description

Join the UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders, and communities to grow through differentiation, agility, and innovation.

We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark at a top company, in an exciting and dynamic industry.

This role is primarily responsible for processing the following category of loans and related transactions:

Personal Loans, Personal Instalment Loans, Auto Loans, Business Banking Loans (SME), Mortgage loans, Staff loans, Khalifa Fund, NDDSF loans, and Leverage Loans including the following activities which comprise part of the disbursal process:

1. Manual Block placements/release
2. Manual Settlement of existing loans
3. Internal Transfer of funds (A2A)
4. Issuance of Manager’s Cheques
5. Manually set up interest rate in T24 (For forward rate in addition to existing rate)
6. Set up customized payment schedule
7. Collateral Mgmt., (Link/delink)
8. Fee recovery
9. Tranche payment & MC issuance or remittance

Additionally, processing of maintenance activities like:

1. Postponement
2. Settlement (Full/Partial)
3. Past Due Recovery
4. Loan parameter changes like repayment date, instalment change
5. Loan Cancellation
6. Write off
7. Collateral linking/delinking
8. Blocking, unblocking, and block adjustment
9. Advance placement in RPA
10. Priority Account Setup
11. MC Issuance, covering letter & Bank Guarantee
12. Funds transfer, data capture
13. Loan Restructure (Placing of blocks, principal increase, PD recovery, deferral etc.)
14. Remittance, block release, or adjustment

In addition, coordination with other sections of Operations and internal stakeholders to ensure smooth workflow and delivery of high-quality and timely service to internal customers.

1. Validation and processing of new loans received through CAS, input/create new loans in T24 for manual bookings including validation of DOA.
2. Execution of additional steps post disbursement of a loan.
3. Diarizing of transactions wherever second day steps/activities are involved.
4. Providing remittance instruction to Payment Centre wherever applicable.
5. Signatures obtained on the MCs as per the DOA matrix.
6. EOD checks to be performed for unauthorized transactions & printing of daily vouchers.
7. Scanning and archival of the documents.
8. Disbursal memos (wherever applicable) should be forwarded for “Transaction Authorization Limit” sign-off as per Loan Ops DOA matrix.
9. Ensuring efficient, error-free processing of transactions with strict compliance to policies, SOP, and within the agreed SLAs.
10. To minimize operations risks for the Bank by ensuring that all transactions that are processed comply fully with underlying customer or internal instructions.
11. Ensuring conformance to internal procedures/policies/guidelines and local and international norms and regulations as applicable.
12. Performing internal accounts & MC stock reconciliation on a daily basis.
13. Undertaking all daily-processing activities related to a particular product or sub-function.
14. To be responsible as primary custodian of security items.
15. To participate actively in the various initiatives within section/unit/department/division/group and the Bank as and when required.
16. To engage on any other activity, falling within the pretext of a Processor.
17. Providing periodical reports and management information for effective decision-making.
18. Involvement and participation in various UAT activities.
19. Handling loan-related queries raised by Internal Stakeholders, timely response to be provided.
20. DCFCL to be maintained and signed off on a daily basis.

1. Policies, Systems, Processes & Procedures: Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner.
2. Demonstrate compliance with the organization’s values and ethics at all times to support the establishment of a value-driven culture within the bank.
3. Continuous Improvement: Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes, and practices considering global standards, productivity improvement, and cost reduction.
4. Reporting: Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies, and quality standards.

1. Zero Ops Loss; NIL near miss/income leakage event; target zero high-risk error.
2. Target zero complaints, adherence to TAT standards and SLAs as agreed with business. Achieve satisfaction score in the internal customer survey as per department target.
3. Nil unauthorized breaches in Policy/regulatory requirements and SOPs. Satisfactory rating in all audits - INA/RMU/ORC.
4. NIL critical findings in regulatory/external/internal audits.
5. Ensure smooth Implementation of PI (process improvement) proposals found fruitful by management.
6. Work with the line manager in introducing strong tools/processes to identify/ease operational risks attached to the unit.
7. Pursue opportunities for enhancing operational efficiencies along with adequate monitoring.
8. Ensure excellent housekeeping standards of Loans transactions documents, Security items, and stationeries.

1. Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.
2. Authorized to take decisions as per the approved authorization matrix.

Minimum Qualification:

• Bachelor’s degree in Commerce, Accounting and Finance, or related discipline.

Minimum Experience:

4-5 years’ relevant experience in the banking sector with at least 4 years in similar positions of progressively increasing managerial responsibilities in Retail Loans function.