Geography Head - Operations (Udaipur)

Essential Skills and Experience

Responsible for upholding the Piramal brand by managing, tracking, monitoring and driving closure of all pre and post disbursement conditions for the assigned geography.

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 geography level.

Implement activities of Disbursement, Post Disbursement, Banking, Customer Service and Document Management 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 geography.

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 Zonal 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.

Key Roles/Responsibilities

Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence.

Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams.

Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback.

Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships.

Collaboration To ensure smooth operations in the branch.

Essential Experience :

9-12 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.