Officer-Housing Loan Operations

Ujjivan Small Finance Bank; Kolkata District; On-site; INR 350,000 - 520,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in Kolkata seeks a detail‑oriented Operations professional. You will coordinate with business and vendors, ensure accurate funding, resolve customer grievances, and uphold regulatory compliance.

The role involves processing loans within SLA, publishing daily MIS, and maintaining ledger accuracy in financial transactions. Strong knowledge of core banking apps and MS Office is essential.

Qualifications

• Graduate in any discipline.
• 2+ years of experience; fresher considered if qualified.
• Banking operations knowledge.
• Proficiency in Finacle and CRM apps.
• MS Excel and MS Word usage.
• Good communication skills.

Responsibilities

• Process loan within the agreed SLA.
• Publish daily MIS to support business.
• Address and resolve branch grievances within the stipulated time.
• Maintain accuracy in financial transactions (loan amount, processing fee, insurance, etc.).
• Timely dispatch of customer collaterals on loan closures.
• Tally branch working date, cash in hand, and operations ledgers daily.
• Monitor records to ensure process compliance and customer confidentiality.
• Audit high-value documents and monitor post-disbursal documents.

Skills

Banking operations

Core banking apps (Finacle)

CRM applications

Workflow applications

MS Excel

MS Word

Communication skills

Education

Graduation in any discipline

Tools

Siebel

FCRM

Job description

Coordinatewith business and Vendor for meeting daily productivity againstbusiness targets

Coordinatebetween Cash Group and Operations for accurate funding

Toresolve customer grievances

Ensureadherence to process and regulatory compliance

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

NA

NA

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

• Processloan within the agreed SLA
• Publishdaily MIS to support Business

Customer

• Ensurethe branch grievances are addressed and resolved within thestipulated time frame.
• Maintainaccuracy in Financial Transactions viz. Loan Amount, ProcessingFee, Insurance, and other income and expenses ledgers.
• Timelydispatch of customer collaterals on loan closures

InternalProcess

• Tallythe Branch Working Date, Cash In Hand & Operations ledgersdaily.
• Monitorrecords unit to ensure process compliance and Customerconfidentiality
• Auditof high value documents
• Monitoringof physical documents against image based processing
• Monitoringof post disbursal documents (Ro copy etc.)
• Scrutinizeproperty document against the legal opinion report.
• Updateself about SOP’s pertaining to the transactions handled.
• Completeall mandatory self- learning modules in Swayam and attend allclassroom trainings nominated to.

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

• Graduatein any discipline

Experience

• 2+years of experience; fresher can be considered if they possessthe required educational qualifications and aptitude

Certifications

• NA

FunctionalSkills

• Soundfunctional knowledge of banking ops processes
• Conversantwith core banking applications (Finacle preferred) and CRMapplications
• Workingknowledge of workflow applications such as Siebel, FCRM etc.
• Usageof MS Excel and MS Word

BehavioralSkills

• Goodcommunication skills – both oral and written