Deputy National Lead - Commercial Lending Operations

Location Name: Pune Corporate Office - Cerebrum

Job Purpose

Responsible for Day to Day Transactions, Disbursement & TDS Refunds MIS, Ensure operational efficiency, ensure delivery within defined TAT and quality standards

Duties And Responsibilities

•  Customer Onboarding, Loan Booking & Monitoring
•  Authorization of Customer Onboarding and Limit Setting as per Documents / approvals provided,
•  Ensure Loan Booking is done within TAT post submission of required approvals,
•  Qualitative Check of Disbursements comparing the Sanction Terms viz, Loan Amount, Rate, Fees, Penalty etc.
•  TDS Recon & Report Publishing
  
  
  

 TDS Receivable Recon to be published on a Quarterly Basis to respective stakeholders comparing to 26 AS Credits

 Work Closely with Business and Taxation team to reduce the recoverable

 Co-ordinate with Business and Customers to share TDS Certificates

 Ensuring TDS Entries are correctly posted in System

 Sample Quality Check of TDS Refunds to be done

•  System Development / Enhancement / Project Management
•  Initiate System Changes for improvement in Operational Efficiency
•  Perform UAT, Data QC before go live,
•  Monitor Reports / System Bugs
•  Enhancements Management
•  Daily MIS, Quality Check
  
  
  

 Publish Daily MIS to stakeholders helping in Disbursement / Portfolio Limit Tracking/TAT

Major Challenges

• Involvement of various products, processes, scenarios, stakeholders etc. add complexity to the role
• Document management for diversified portfolio of different Business with varied levels of complexity add challenges
  
  
  

Required Qualifications And Experience

•  Qualifications
  
  
  

 Graduation with Experience / Post- Graduation

•  Minimum 5-6 years of work experience
•  Experience in management of Loan Disbursement Operations & Customer service
•  Prior Experience & Knowledge of Loan Systems / Core Banking Solutions preferred
•  Adequate Finance & accounting knowledge to understand the impact of processing a transaction
•  Knowledge of Bank Reconciliation Process would be added advantage
•  Stakeholder management
•  Good MIS / Presentation Skill / Reporting to Senior Management