Fixed Term Appointment, Asset Operations, Consumer Banking group Operations, Technology and Opeations

DBS Bank (Indonesia); India; Presencial; INR 1 053 000 - 1 754 000; Tempo integral

Resumo da oferta

DBS Bank Indonesia Technology Centre is seeking an experienced professional for Retail Home Loan processing, handling file processing from approval to post-disbursal and post sales support, ensuring accuracy and adherence to policy.

The role involves liaising with verification, legal and valuation teams, managing reports, maintaining compliance, and delivering a positive customer experience within defined SLAs.

Qualificações

• At least 5-7 years in Retail Home Loan processing.
• Basic banking experience is an added advantage.

Responsabilidades

• Ensure procedures/SOPs/Manuals are created and maintained per policy.
• Adhere to BOD/EOD responsibilities and checklists.
• Prepare and circulate internal/external reports per stakeholder requirements.
• Identify process risks and notify line manager.
• Support line manager in risk mitigation actions for operations.
• Perform UAT and document results for stakeholders.
• Maintain positive customer experience in processing.
• Ensure service levels (TAT) are met and escalate exceptions.
• Coach/mentor colleagues on process/product when assigned.
• Ensure compliance with internal and external policies/audit requirements.
• Maintain required registers/files for Operations.
• Verify receipts and ensure disbursal checks and funds flow.
• Track OTC & PDD documents and manage Welcome Kit requests.
• Archive files per process.

Conhecimentos

Expertise in Home Loan Processing

Good communication skills

Formação académica

Graduation from any recognised university

Descrição da oferta de emprego

Business Function

Group Technology and Operations (T&O) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality & control, technology, people capability and innovation. In Group T&O, we manage the majority of the Bank’s operational processes and inspire to delight our business partners through our multiple banking delivery channels.

Job Purpose

The role is towards processing of home loans in central operations domain and would include file processing for credit approval, Pre-disbursal, Post-disbursal and Post sales support.

Key Accountabilities

• Retail Home loan product knowledge (home saver product in particular)
• Home Loan processing from approval to post sales support
• Domain expertise on core-processing of Mortgages
• Liaison with verification, legal and valuation team
• Liaison with all internal & external stakeholders (Agencies / Vendors) to ensure smooth flow of Operations

Requirement

Job Duties & responsibilities

• Ensure the procedures / SOPs / Manuals are created & maintained in line with the NPA, RAC - Credit Policy and other internal / external guidelines
• Ensure all BOD and EOD responsibilities are adhered to in line with the checklists
• Ensure all internal & external reports are prepared / checked / circulated in line with the stakeholder requirements and the agreed process
• Identify any process risks and proactively bring them to the notice of the line manager
• Work with the line manager in creating / implementing the risk mitigation actions for the operation supported
• Perform the UAT as desired by the Operations / Business and clearly document the results including reporting them in time to the respective stakeholders
• Work with all stakeholders in ensuring a positive customer experience in the processing
• Ensure strict adherence to the Service Levels (TAT / SL agreed) and any exceptions are immediately reported to the line manager along with appropriate reasons
• Proactively support the colleagues in coaching / mentoring on the process / product as appropriate (and whenever assigned by the line manager)
• Ensure compliance with all internal & external policy & audit requirements (including but not limited to Legal / Compliance / Operational, etc)
• Maintain all registers & files as required by the Operations unit (Example: FRFC Key Register, Document Control register, In & Outward register, etc)
• Verifications are initiated and tracked for receipt (Customer & Collateral). Disbursal checks are ensured in line with the manuals / Policy / SOPs and funds are disbursed
• Tracking of OTC & PDD documents and update to the system. Ensure Welcome Kit request and dispatch on time
• Archive the files as per the process
• All post disbursal and service related requests are handled in line with the procedures
• Possess good knowledge of ROI, PF, Office Accounts, DIR & LTV (exposure)
• CIBIL report generation & CERSAI handling (enquiry, register the entry & remove the entry)
• Communication to the customer (dispatch of letters)
• Contribute for the process enhancements and cost saves while improving / without negatively impacting the customer experience
• High governance standards

Required Experience

• Atleast 5-7 years in Retail Home Loan processing
• Basic banking experience is an added advantage

Education / Preferred Qualifications

• Graduation from any recognised university

Core Competencies

• Expertise in Home Loan Processing
• Good communication skills

Technical Competencies

• Retail Home Loan Processing
• Retail Home Loan system enhancements
• Retail Home loan post sales support

Work Relationship

• Team Player
• Commitment and Integrity

Location:

Technology Centre

Job:

Operations

Schedule:

Contract (Fixed Term)

Employee Status:

Full time