Location Name: Pune Corporate Office - Mantri

Job Purpose

Responsible for monitoring, analyzing and reporting of Transaction alerts generated for credit operations. The role is a critical element of organization's defense against money laundering, terrorist financing and fraud.

Duties And Responsibilities

Conducting detailed and thorough investigation of cases/alerts in accordance with internal policies, process and external regulations (e.g. RBI KYC Policies, PMLA Act & Rules)
Fetch relevant information from various internal systems (e.g. Pennant, Miles, Finacle, CRM, Customer 360 etc.) required for customer transaction analysis
Able to analyze transaction history in accordance with customer profile for products like Gold Loan, LAS, Flexi, SME,etc to identify anomalies
Good domain knowledge of BFL product, processes and systems
Identification and timely escalation of potential suspicious transactions for further investigation
Writing detailed analysis of transactions investigated
Keeping updated with recent changes with respect to RBI KYC Polices, PMLA Act, etc
Assist with the preparation of departmental MIS and reports and other activities
Providing inputs for improvising AML search effectiveness

Required Qualifications And Experience

Graduate Degree, 3 - 5 years experience in lending business.
Domain knowledge pertaining to products such as Gold Loan, LAS, Flexi, Professional / Business Loans
Understanding of Onboarding process, financial transactions and other processes in lending lifecycle
Sound knowledge of Internal Policies, Risk, Compliance and Regulatory requirements
Good understanding of PMLA Act, RBI KYC Policies etc
Ability to interpret Regulatory requirements
Knowledge of KYC/ML/CDD/EDD/Sanctions/PEP Screening/Knowledge of SAR/STR process, desirable.
Applicant should be well versed with MS Excel, working knowledge of SQL preferred
Ability to work independently and accomplish task assigned
Collaborative work style to engage with peers & colleagues in other functions across the company
High motivational levels and a self-starter.
Should possess the below skill sets: - Strong Analytical skills, Good written and verbal communication Good Interpersonal Skills, Influencing skills

Deputy Unit Manager - Operations and Service