Branch Operations Manager_Bangalore

Aditya Birla Capital; Karnataka; On-site; INR 600,000 - 900,000; Full time

Job summary

Aditya Birla Capital is seeking an operations professional for Retail Assets processes, including loan documentation, pre/post-disbursement activities and compliance. The role requires meticulous attention to regulatory standards, timely execution of letters, and coordination with Relationship Manager and business teams.

The candidate will oversee post-disbursement tracking, asset security perfection, renewals, and escalations for high-value transactions across branch networks, ensuring SLAs are

Responsibilities

• Prepare and issue letters like sanction letters, amendment letters, ROI based on credit decisions within timelines
• Provide standard legal and security documents to Relationship Manager depending on product and security within timelines
• Verify and execute complex documentation in full compliance with internal standards and external regulatory requirements
• Scrutinize customer documents to ensure order; if discrepancies, inform RM to complete/rectify documentation
• Check facility legal & security documents and ensure pre-activation checks are completed
• Track and update PDDs and OTC in the system/excel for new/existing release of limits
• Ensure daily documentation execution in full compliance with internal standards and regulatory requirements
• Prepare and issue letters like sanction letters, amendments, ROI based on credit decisions within timelines
• Ensure standard legal and security documents are provided to the business team within timelines
• Check customer-submitted documents within timelines; escalate discrepancies to RM for rectification
• Support in smooth resolution of complex documentation issues
• Follow-ups on outstanding PDDs/OTC and escalate when required
• Ensure completion of security perfection of assets (CERSAI)
• Supervise loan booking and servicing activities for zones within the defined TAT
• Ensure only complete files are processed by operations at branch level
• Handle escalations and authorise high-value/complex transactions for HNI customers
• Oversee closure/foreclosure activities at branches
• Maintain data/evidence for legal litigation cases of defaulters
• Manage post-disbursement documentation by following up with stakeholders and updating systems
• Update drawing power in stock-based limits
• Renewal of insurance on collateral to safeguard portfolio
• Ensure branch audits and adherence to policies; maintain performance metrics and SLAs
• Complete ROC, CERSAI and SRO registrations within timelines
• Coordinate with Business, Risk & Compliance, Legal & IT and Collections for process improvements
• Facilitate audits and vendor interactions; manage vendor empanelment and contracting
• Collaborate with cross-functional teams for interlinked processes

Job description

Job Purpose

Job Purpose Description

Pre Disbursement Activities

• Prepare and issue required letters like sanction letters, amendment letters, ROI based on credit decisions/ sanction note within given timelines
• Provide standard legal and security documents to the Relationship Manager, depending on type of product and security within stipulated timelines
• Verify and execute complex documentation in full compliance with the internal standards and external regulatory requirements
• Scrutinize customer documents to check if in order. In case of discrepancies, share details with Relationship Manager to complete/ rectify the documentation.
• Check facility legal & security documents executed by the customer and ensure pre-activation check points are completed
• 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 the 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
• 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.