BASIC INFORMATION

Job Title Retail Asset Operations

Grade AM/DM
Business Unit Operations & Service Delivery
Department Retail Asset Operations

ROLE SUMMARY
The role holder is responsible to manages complexity and change resistance with continuous communication and involving
employees in the change process.
The role holder is responsible for timely disbursement of Retail Asset Loan Products in accordance with defined policies of
Bank and in order to ensure statutory compliance of all systems, processes and practices. The role also ensures to delivers
customer value through timely and quality execution and develops an understanding of problems and employs existing
new methods to find solutions

: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/
Managerial  N/A
Responsibilities
Loan Disbursement–Checker or Location / Branch Head
 Oversees the entire Area operations (cluster assigned) with key focus on process standardization,
error free transaction processing and ensuring maximum utilization of available resources
 Manages locations assigned and completes loan disbursement related activities likeNon discrepancy
checks (NDC) with KYC norms, System Data Entry (FinnOne/FCR etc) , Dispatch Process, Data
Maintenance, Document Retention Process, etc.
 Checks loan file log in and re-login and disbursal discrepancy resolution with the assistance from
Sales and Credit unit
 Checks disbursement entry initiation in system
 Responsible for Custodian of disbursement related documents
 Checks of individual task assigned and processing of transaction with nil errors
 Assists support to risk management, business, support units in containing exceptions to the
minimum and help in resolving them
 Ensures mandatory processing to be completed on same day for within TAT requests for cases and
escalations internal / external customer
Core
 Ensures online reconciliation of transaction and No issues / open items pending
Responsibilities
 Processing capacity numbers as agreed with Business to be met (incl. managing absenteeism)

Customer Relationship Management

 Ensures customer satisfaction by achieving service quality norms
 Executes customer centric banking operations
 Ensures highest service standards are maintained for servicing of all clients and maintaining
minimum turn-around-time.

Post Disbursal Documents Management (PDD)

 Manages Post disbursal disbursement tracking, updation and System entries and dispatch to
Storage

MIS and Reporting and Other Activities

 Prepares MIS reports & various monthly reports with maintenance of proper records of accounts,
Outstanding, inventories etc
People  Identifies sources of errors or aspects impacting quality of work/service delivery and determines a
Management or course of action to prevent their recurrence
Self-  Takes ownership of his/her own learning agenda by identifying development needs in consultation
Management with the immediate reporting manager and working towards bridging the gaps through various
Responsibilities means which go beyond just training.

 Follows risk policy and processes to mitigate the operational, regulatory, financial, informational,
Risk and
reputational and audit risks as instructed by the departmental manager.
Internal Control
 Executes the established internal control systems and compiles relevant information for
Responsibilities
departmental audits, as necessary.