Deputy National Lead - Commercial Lending Operations

Responsible for Day to Day Transactions, Disbursement & TDS Refunds MIS, Ensure operational efficiency, ensure delivery within defined TAT and quality standards
1. Customer Onboarding, Loan Booking & Monitoring
Authorization of Customer Onboarding and Limit Setting as per Documents / approvals provided,
Ensure Loan Booking is done within TAT post submission of required approvals,
Qualitative Check of Disbursements comparing the Sanction Terms viz, Loan Amount, Rate, Fees, Penalty etc.

2. TDS Recon & Report Publishing
TDS Receivable Recon to be published on a Quarterly Basis to respective stakeholders comparing to 26 AS Credits
Work Closely with Business and Taxation team to reduce the recoverable
Co-ordinate with Business and Customers to share TDS Certificates
Ensuring TDS Entries are correctly posted in System
Sample Quality Check of TDS Refunds to be done

3. System Development / Enhancement / Project Management
Initiate System Changes for improvement in Operational Efficiency
Perform UAT, Data QC before go live,
Monitor Reports / System Bugs
Enhancements Management

4. Daily MIS, Quality Check
Publish Daily MIS to stakeholders helping in Disbursement / Portfolio Limit Tracking/TAT Major Challenges
1) Involvement of various products, processes, scenarios, stakeholders etc. add complexity to the role
2) Document management for diversified portfolio of different Business with varied levels of complexity add challenges Required Qualifications and Experience
a) Qualifications
Graduation with Experience / Post- Graduation
Minimum 5-6 years of work experience
Experience in management of Loan Disbursement Operations & Customer service
Prior Experience & Knowledge of Loan Systems / Core Banking Solutions preferred
Adequate Finance & accounting knowledge to understand the impact of processing a transaction
Knowledge of Bank Reconciliation Process would be added advantage
Stakeholder management
Good MIS / Presentation Skill / Reporting to Senior Management