Team Leader - CAD

Processing Teams – CAMs / Limit Release / Post Monitoring Unit

• Manage floor operations to ensure First-In-First-Out (FIFO) file processing and adherence to agreed Turnaround Times (TATs)
• Ensure correctness and completeness of security documentation in line with CAM, Credit Policy, and Legal opinions
• Maintain 100% accuracy in setting financial limits in core and supporting systems
• Ensure 100% accuracy in post-monitoring tasks including stock statements, insurance updates, and LAD (Letter of Assurance & Delivery) entries
• Act as a custodian and coordinate with Business, Credit, and Legal teams on SBLC/SBBG (Standby Letters of Credit / Standby Bank Guarantees) matters
• Proactively coordinate with Credit Legal for clarifications, especially where business contentions are involved
• Handle complex and unique cases, offering guidance to inputters and authorizers
• Ensure timely resolution of audit queries and strive for a Satisfactory audit rating consistently
• Perform digital signing of CHG-1 and CHG-4 forms for creation and satisfaction of charge with the Registrar of Companies (ROC)
• Understand and implement process changes driven by updates in credit policies, legal requirements, or evolving business dynamics, and ensure ongoing compliance through periodic reviews

Mortgage Operations

• Monitor team functions and provide intervention and support where necessary
• Manage floor activity to dynamically allocate workloads and ensure TAT adherence
• Circulate monthly mortgage reconciliation data to State Heads across India
• Perform PRPS mortgage reconciliation with CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest)
• Coordinate client and advocate meetings to resolve discrepancies in TSRs (Title Search Reports) and valuation reports, especially in high-value or multi-property cases
• Review and finalize audit responses, ensuring accuracy and timely submission
• Conduct periodic meetings with Business segments to assess market feedback and communicate operational concerns

Internal & Regulatory Reporting

• Review and supervise critical MIS reports such as:
• Priority Sector Lending
• Industry & Grading
• Capital Market Exposure
• Real Estate Exposure
• Ensure these are submitted regularly to business segments, senior management, board, RBI, and other regulatory authorities
• Oversee the preparation and publishing of major control reports including:
• TODs (Temporary Overdrafts)
• Deferrals
• Transactions without Limits
• Case Creation
• Unauthorized Entries
• Ensure timely reporting to senior management
• Coordinate and monitor ad-hoc data requirements from senior leadership, business teams, Credit, and internal departments
• Liaise with relevant departments and follow up for regulatory data collation and preparation
• Supervise and review overseas reporting requirements for Hong Kong and Bahrain offices