Cluster Operation Manager

Role & responsibilities :

• Responsible for upholding the Piramal brand by managing, tracking, monitoring and driving closure of all pre and post disbursement conditions for the assigned cluster
• Interact with Credit /Sales/ Product/ IT and other key stakeholders for understanding business plans and aligning deliveries with these plans.
• Manage end to end Operations & Customer service at area level.
• Implement activities of Disbursement, Post Disbursement, Banking, Customer Service and Accounting of branches.
• Ensure the team provides appropriate support to sales and credit team with client queries on sanction & disbursal.
• Oversee implementation of efficient operational procedures across branches in the mapped cluster.
• Review and ensure completeness of loan disbursement docket during and after disbursement.
• Ensure the MIS and other related reports are periodically updated and shared with the Geography Head- operations for analysis.
• Oversee adherence to the fulfillment of KYC requirements and loan application form from borrowers as per defined pre-disbursement checklist.
• Monitor the accounts for disbursement, collections, general receipts and initial payment accounts.
• Monitor OCR, revenue leakages, PDD tracking, and all customer grievances and resolution status.
• Vendor due diligence , empanelment and payout processing of commissions for the services rendered.
• Monitor all process and checklist compliances and ensure adherence to the same.
• Support risk and audit with data requirements and ensure that process deviations are zero.
• Mentor and guide the branch operations team for attainment of set targets and on discipline, process compliance and adherence to company's rules and regulations.
• Monitor productivity level of branch operations team ensure periodic branch visits for supervision and better oversight.
• Assess the training and development needs and collaborate with HR, Regional Business Head and Operations team to ensure delivery of the same.

Preferred candidate profile

• Graduated
• 6-9 years of relevant work experience of working in operations function in an HFC or NBFC or Bank.
• Ability to liaison & follow-up with external and internal stakeholders.
• Understanding of KYC norms and experience in asset business processing.
• Understanding of retail lending and allied activities.
• Good command on MS Excel and other MS Office tools.
• Good spoken and written communication skills English and Hindi