Branch Operations Manager_Jobner

Aditya Birla Insulators; Jaipur; On-site; INR 600,000 - 800,000; Full time

Job summary

Aditya Birla Insulators is seeking candidates for a role handling pre and post-disbursement activities in Retail Assets operations. The position involves issuing sanction/amendment letters, verifying legal security documents, tracking PDDs/OTC, and ensuring regulatory compliance across processes.

You will coordinate with Relationship Managers, Business teams, and risk/compliance units to rectify documentation, manage escalations, and ensure timely renewals and insurance on collaterals.

Responsibilities

• 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 internal standards and regulatory requirements
• Scrutinize customer documents to check if in order; inform Relationship Manager to complete/rectify documentation
• Check facility legal security documents executed by the customer and ensure preactivation 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 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 within stipulated timelines
• Ensure customer submitted documents are checked within timelines; share discrepancies with Relationship Manager to complete/rectify documentation
• Support in smooth resolution of complex documentation issues
• Ensure follow ups of outstanding PDDs/OTC and escalation where required
• Ensure completion of all activities related to security perfection of assets CERSAI
• Ensure renewal tracking and that renewal letters are issued within timelines; supervise loan booking and servicing
• Ensure only completed files are processed by operations at branch level
• Handle service level escalations and complaints for HNI customers and authorise high value transactions/complex transactions
• Oversee closure and foreclosure activities at branches
• Ensure data/evidence for all legal litigation cases of defaulters
• Manage post disbursement documentation by follow ups with stakeholders and updating system
• Ensure updation of drawing power in stock-based limits
• Ensure renewal of insurance on collateral to safeguard portfolio
• Ensure policies and processes related to loan processing and disbursement are up to date and followed
• Conduct internal branch audits to ensure no critical observations
• Maintain performance metrics/defect ratio and ensure SLAs are met
• Ensure ROC, CERSAI and SRO charge registration is completed within timelines
• Work with Business, Risk Compliance, Legal IT and Collections to improve processes
• Facilitate statutory/regulatory audits and vendor coordination during audits
• Work on vendor empanelment/contracting and ensure proper movement of transactions
• Collaborate with cross-functional teams where processes are interlinked

Job 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 preactivation 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 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.

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