Job Description

We are looking for a meticulous and proactive Operations Team Member to join our Commercial Operations team within the Wholesale Banking Group (WBG). The ideal candidate will be responsible for verifying legal documentation, maintaining operational records, and ensuring compliance with internal and regulatory standards. This role demands strong attention to detail, excellent communication skills, and the ability to manage multiple tasks efficiently. The candidate will be involved in end-to-end documentation verification, collateral and limit maintenance, insurance policy coordination, and post-disbursement tracking. The role also includes liaison with auditors, MIS reporting, and coordination with various internal teams for seamless operational execution.

Key Responsibilities

Operations Management

Manage end-to-end processing of Working Capital products including:
- Cash Credit (CC)
- Overdraft (OD)
- Working Capital Demand Loans (WCDL)
- Letter of Credit (LC)
- Bank Guarantees (BG)
- Trade Finance transactions
Ensure timely execution of operational activities within defined TATs and service standards.
Monitor operational queues and ensure adherence to productivity and quality benchmarks.

Documentation & Limit Management

Verify sanction terms, facility documentation, and disbursement conditions.
Ensure proper maintenance of security creation, limit setup, renewals, and modifications.
Coordinate with business, credit, legal, and operations teams for smooth transaction processing.

Risk & Compliance

Ensure adherence to internal policies, RBI guidelines, audit requirements, and regulatory standards.
Monitor operational risks and implement corrective actions to minimize errors and exceptions.
Drive compliance with KYC, AML, and operational control requirements.
Support internal, statutory, and concurrent audits.

Team Management

Lead and manage a team of operations officers/executives.
Allocate work, monitor performance, and drive productivity improvements.
Coach, mentor, and develop team members.
Ensure adherence to process controls and operational discipline.

Stakeholder Management

Act as a key contact for Business Banking, Corporate Banking, Credit, Relationship Managers, and customers.
Resolve operational issues and escalations promptly.
Drive customer-centric service delivery and enhance stakeholder satisfaction.

Process Improvement

Identify opportunities for process automation and digital transformation.
Implement process enhancements to improve efficiency, reduce risk, and enhance customer experience.
Participate in projects, UATs, and system enhancement initiatives.