Job Requirements
About the Role
The Operations Specialist – Retail Assets Operations will be part of the Central Disbursal and Payment Unit, supporting the Credit Operations team in booking retail loans and managing related post-disbursal activities. This includes handling inventory funding, pre-disbursal cancellations, master maintenance of location data, onboarding of DSAs/Dealers, and managing their payouts. The role requires a strong understanding of loan documentation, process efficiency, and stakeholder coordination.
Key Responsibilities
Primary Responsibilities
- Manage loan disbursal (booking), payouts, onboarding, and post-disbursal activities for all retail products.
- Ensure thorough understanding and handling of loan documentation across various products.
- Drive quality and SLA adherence within the unit.
- Liaise with internal and external stakeholders using strong interpersonal and communication skills.
- Focus on automation and digitization to improve process efficiency, accuracy, productivity, and turnaround time (TAT).
- Promote a culture of compliance and uphold the bank's code of conduct.
- Take initiative to recommend and implement best practices for process improvement.
Secondary Responsibilities
- Prepare and maintain various MIS reports.
- Coordinate daily with branches and CPAs for issue resolution.
- Draft Business Requirement Documents (BRDs) for automation-related processes.
- Participate in User Acceptance Testing (UAT) for new system requirements or modifications.
What We Are Looking For
Education
- Graduation: Graduate in any discipline from a recognized institution.
Experience
- Minimum 2 years of relevant experience in loan operations, disbursal, or credit operations.
Skills and Attributes
- Strong knowledge of retail loan disbursal and post-disbursal processes.
- Familiarity with loan documentation and system workflows.
- Proficiency in MS Excel and reporting tools.
- Strong communication and stakeholder management skills.
- Ability to manage multiple tasks while maintaining quality and meeting deadlines.
- Analytical mindset with a focus on continuous improvement and automation.
