Branch Operations Manager

PeopleStrong; Faridabad District; On-site; INR 600,000 - 1,000,000; Full time

Job summary

PeopleStrong in India seeks an Operations professional to manage CAD & Branch Ops workflow, focusing on pre- and post-disbursement controls, documentation, and compliance across branches. You will coordinate with Relationship Managers to ensure timely letters and standard legal documents are provided within defined timelines.

The role requires handling complex loan documentation, tracking PDDs/OTC, ensuring regulatory adherence, and meeting SLAs while supporting audits and risk controls.

Qualifications

• Experience in pre-disbursement activities and document verification.
• Knowledge of legal and security documents handling.
• Ability to track PDDs/OTC and ensure regulatory compliance.

Responsibilities

• Prepare and issue sanction letters, amendments, and ROI within timelines.
• Provide standard legal and security documents to the Relationship Manager.
• Verify and execute complex documentation in compliance with standards.
• Scrutinize customer documents and coordinate with RM to rectify discrepancies.
• Track facility legal/ security documents and ensure pre-activation checks.
• Monitor PDDs/OTC in system/excel for new/existing limits and renewals.
• Ensure documentation is completed on time and supports loans processing.
• Supervise loan booking/servicing and escalations, ensure SLA compliance.
• Manage post-disbursement docs, data updates, and renewal of insurance.

Skills

Branch Operation

Post Graduate

Job description

DEPARTMENT-1 Ops - CAD & Branch Ops

Country India

Function Services Operations

Skills

Skill

Branch Operation

Post Graduate

CERTIFICATION

Job Description

Job Purpose

Pre Disbursement Activities

• o Prepare and issue required letters like sanction letters, amendment letters, ROI based on credit decisions/ sanction note within given timelines
• o Provide standard legal and security documents to the Relationship Manager, depending on type of product and security within stipulated timelines
• o Verify and execute complex documentation in full compliance with the internal standards and external regulatory requirements
• o Scrutinize customer documents to check if in order. In case of discrepancies, share details with Relationship Manager to complete/ rectify the documentation.
• o Check facility legal & security documents executed by the customer and ensure pre-activation check points are completed
• o Track and update PDDs and OTC in the system/ excel for new/existing release of limits.
• Ensure daily execution of documentation in full compliance with the internal standards and external regulatory requirements
• Ensure timely preparation and issuance of required letters like sanction letters, amendment letters, ROI based on credit decisions/ sanction note
• Ensure standard legal and security documents are given to the Business team, depending on type of product and security within stipulated timelines
• Ensure customer submitted documents are checked within the given timelines. In case of discrepancies, share details with Relationship Manager to complete/ rectify the documentation
• Support in smooth resolution of complex documentation issues

Post Disbursement

• Ensure follow ups of outstanding PDDs/OTC and look into escalation cases, where required
• Ensure completion of all activities related to security perfection of assets - CERSAI
• Ensure renewal tracking done by the team and ensure that renewal letters are prepared and issued within stipulated timelines Supervise the loan booking and servicing activities for their respective zones and ensure they are completed within the stipulated TAT
• Ensure that only completed files are getting processed by the operations team at the branch level
• Handle service level escalations and complaints for HNI customers and authorise high value transactions / complex/ structured transactions.
• Oversee closure and foreclosure activities at the branches
• Ensure data and evidence for all legal litigation cases of defaulters on a case to case basis
• Manage post disbursement documentation by conducting follow ups with stakeholders, reporting discrepancies to the Management and updating the system on a periodic basis
• Ensure updation of drawing power in case of stock based limits
• Ensure renewal of insurance on collateral to safeguard the portfolio

Process Controls & Checks

• Ensure all policies and processes related to loan processing and disbursement are up to date and followed by the team
• Conduct internal branch audits at regular intervals to ensure there are no critical observations
• Maintain performance metrics, defect ratio and ensure SLAs are met within the agreed timelines
• o Ensure ROC, CERSAI and SRO charge registration is completed within given timelines

Stakeholder/ Vendor

Management

• Ensure requests of all case logins from branches are being timely attended by vendors. Escalation point for issues in logins
• Ensure that the team is having regular interactions with the Relationship Manager to complete correct documentation at the customer’s end
• Attend meetings with Sales and Risk team to discuss outstanding PDDs/OTCs, issues and escalations
• Liaise with statutory, regulatory and external third parties for conducting audits for branches in their zones
• Liaise with external vendors for storage of property related documentation, prepare and sign an agreement with the vendor and conduct regular audits at vendor site

Compliance Management & Reporting

• Ensure adherence on all policies and processes related to loan processing and disbursement within the Retail Assets operations team
• Ensure timely submission of data, files for audit to concurrent, internal & statutory auditors
• Maintain data for tracking performance metrics, defect ratio and SLAs and identify trends/ patterns that need to be addressed in order to drive greater efficiencies
• Ensure all compliance points of Operations functions which is signed off for the board quarterly, are taken care of while processing.

Stakeholder/ Vendor

Management

• Work with Business teams, Risk & Compliance, Legal & IT as well as Collections teams to agree process improvements and identify solutions
• Facilitate statutory, regulatory and external third parties during key audit/ compliance/ transaction milestones
• Work on vendor empanelment processes and contracting and ensure proper movement of transactions to & from the vendor’s desk.
• Work closely with key individuals within cross functional teams wherever processes are interlinked with our function.