We are Hiring - Senior Officer, Lending Financials

Job Description

• Possesses in-depth understanding (end to end) on the product / process.
• The end-to-end features and functionality of Personal Loans / Overdraft / Mortgages / BB / Credit card product to be known.
• To be abreast of the changes advised by Country so that this is applied to the current process followed.
• To be able to relate to the TP enhancements eg done to RLS, EBBS, ICM, LOS, CCMS and Cards 400 with reference to the current process followed.
• To be able to suggest any enhancements to be done to the sub systems so that the work around or hands off is reduced.
• Able to perform rule based technical work involving acceptable deviations and exceptions.
• If the instructions provided by the Country involves decision making like checking the account for levy of late charges prior to effecting reversals etc, this is to be effectively carried out.
• Ability to understand the rejects done by TP systems like RLS, ICM, EBBS, CCMS and Cards 400 and investigate the reasons for such rejects.
• If the files are uploaded with a time lag, ability to understand the impact of such time lags and plan the next course of action accordingly.
• Able to identify, understand and articulate the requirements of the products from customer point of view & how it will benefit them.
• To keep in mind the customers expectations with reference to conversion of transactions to EMI / RATE CHANGE / TENOR CHANGE / PRODUCT CHANGE.
Process Management
• Able to identify opportunities to automate repetitive logic based manual activities.
• To review the processes which involve routine processing with a specific set of inputs and suggest methods of automation in the TP system.
• Any non-value-added activities or duplicate checking activities either manual or on system is to be identified and highlighted to bring in process efficiency.
• Perform independent activities concurrently.
• To be able to check the financial transactions independently without referring to the logics applied by the maker.
• Exception based checking is to be done to ensure that the errors done by the makers are highlighted promptly.
• Give inputs from ground level after understanding the big picture.
• To have end to end understanding of the process so that automation opportunities in the TP systems can be provided.
• To be able to identify activities which are duplicated either in the total financial operations or with reference to the checking activity and suggest methods of decreasing TAT.
• Supports and involves in change management plans in achieving mutual objectives to manage change.
• As and when there are change initiatives driven by Country / Regulatory Authorities, should be able to plan the activities very well and deliver the required output with the least business interruption.
• Open to suggestions and experimentation.
• Any suggestions by the makers should be analysed effectively for opportunities of automation.
• To be willing to experiment by capitalising on the UAT environments available for various projects to check the process improvements by change of parameter settings e.g., in ebbs, los, icm, CCMS / Cards 400.
• To be willing to experiment effectively which would bring in reduction of TAT for customer, process efficiency, cost saving or increase in revenue without any disruption to BAU activities.
• To have a sense of urgency in meeting deliverables in TAT and Accuracy.
• To always have customer requirements in mind while executing financial transactions.
• To appreciate the requirement of delivering accurate output every time.
• To perform all the financial transactions right the first time.
• Able to understand the GL accounts, uploads, Emi repayment activities, static changes and critical regulatory changes and give support to abide by the same within the stipulated timelines.
Capacity Planning
• Possess ability to understand the work plans and organizes their own work effectively.
• Able to identify sudden changes at a transactional level.
• Raises issues when they see the task is at risk.
• Completes work as assigned.
Operational risk Management
• Understands what the various risks are at transaction level and some of the mandatory actions that need to be performed.
• Escalates issues to senior management within parameters of role.
• Describes the fundamentals of operations risk.
• Awareness on transactional level fraud.
Behavioural Capabilities Precision Accuracy
• Able to drive quality work within team and self.
• Proofreads work and/or checks the process delivered thoroughly in order to eliminate errors.
• When issues present consults with others to ensure he/she has resolved them in the appropriate way.
Client Centric
• Considers the impact of their actions on the end-to-end process and customer.
• Understands basic customer service requirement and able to apply same in own areas of work.
• Able to provide differentiated customer service for various types/ grades of customers.
• Treat all clients with respect and cultural awareness.
• Able to show empathy in terms of keeping the customer point of view while processing a transaction / working.
Communication
• Possesses ability to translate complex information into easy- to-understand language.
• Proficient in both verbal and written communication.
• Escalates issues and concerns in a timely manner.
Problem Resolution
• Understands the situation and perform right escalations.
• Being able to provide data for performing root cause of the problem.
• Ability to speak up when in disagreement and opposition.
• Ability to understand the existence of crisis and conflicts.
• Able to work in a team with good interpersonal skills.
Managerial Capabilities Stakeholder Management
• Understands and knows who the stake holders are and meets SLAs.
• Able to provide timely and accurate response to queries / request raised by Stakeholders.
People Management
• Able to cooperate and work as a team in an open and approachable style.
• Be good team player taking team s goals into consideration.
Change Management
• Understands the need for change and willingly accepts it.
• Able to quickly adapts to changes with regards to process, projects, behaviour etc.
• Ability to look beyond self-interest to collective interest.
• To positively respond to the pace of change.
Data Analytics
• Able to analyze the process to understand the dimensions of the job.
Our Ideal Candidate
• Experience More than 4 years
• Data Entry Operator
• Typing Skills
• Reading and comprehension
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Keyskills :
misbankingsalespersonal loanscustomer serviceaccounts