Yes Bank - Authorizer

Core Responsibilities Loan Disbursement - Checker or Location / Branch Head

- Oversees the entire Area operations (cluster assigned) with key focus on process standardization, error free transaction processing and ensuring maximum utilization of available resources

- Manages locations assigned and completes loan disbursement related activities like Non discrepancy checks (NDC) with KYC norms, System Data Entry (FinnOne/FCR etc), Dispatch Process, Data Maintenance, Document Retention Process, etc.

- Checks loan file log in and re-login and disbursal discrepancy resolution with the assistance from Sales and Credit unit

- Checks disbursement entry initiation in system

- Responsible for Custodian of disbursement related documents

- Checks of individual task assigned and processing of transaction with nil errors

- Assists support to risk management, business, support units in containing exceptions to the minimum and help in resolving them

- Ensures mandatory processing to be completed on same day for within TAT requests for cases and escalations internal / external customer

- Ensures online reconciliation of transaction and No issues / open items pending

- Processing capacity numbers as agreed with Business to be met (incl. managing absenteeism)

Customer Relationship Management

- Ensures customer satisfaction by achieving service quality norms

- Executes customer centric banking operations

- Ensures highest service standards are maintained for servicing of all clients and maintaining minimum turn-around-time.

Post Disbursal Documents Management (PDD)

- Manages Post disbursal disbursement tracking, updation and System entries and dispatch to Storage

MIS and Reporting and Other Activities

- Prepares MIS reports & various monthly reports with maintenance of proper records of accounts, Outstanding, inventories etc

People Management or Self-Management Responsibilities - Identifies sources of errors or aspects impacting quality of work/service delivery and determines a course of action to prevent their recurrence

- Takes ownership of his/her own learning agenda by identifying development needs in consultation with the immediate reporting manager and working towards bridging the gaps through various means which go beyond just training.

Risk and Internal Control Responsibilities - Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by the departmental manager.

- Executes the established internal control systems and compiles relevant information for departmental audits, as necessary.

SECTION IV: KEY INTERACTIONS

Key Internal Interactions Purpose of Interaction

Risk, Credit, Retail Asset Sales, Compliance, Audit, BDTS - For coordinating with all departments towards ensuring timely and effective communication of internal messages and compliance of Polices, Processes and best practices

Key External Interactions Purpose of Interaction

Customer - For servicing the deliverables as per request with high quality standards

Vendor - For coordinating processing of transactions assignments

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications - Bachelor's degree in any field

- Master's degree in Business Administration is preferred

Professional Certifications - N/A

Language Skills - Written and spoken English is essential

EXPERIENCE

Years of Experience - A minimum of 7 years of relevant experience

Nature of Experience - A minimum of 7 years of relevant experience with at least 2 years in a similar role

SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS

BEHAVIORAL COMPETENCIES

Core Competencies Competency Name Behaviors

- Drive for Results - Takes effective decisions for the function/ team, focusing on the short to medium term objectives

- Displays a high sense of initiative and urgency towards delivering results on time

- Raises bar for self- performance in delivery of results while ensuring adherence to stated timelines

- Influence and Impact - Effectively uses positive influencers and counters negative influencers to meet his objective in a situation

- Develops strong customer relationships by ensuring care and responsiveness in all interactions

- Customer Orientation - Listens to and demonstrates an understanding of customers- stated and unstated needs

- Delivers customer value through timely and quality execution of tailored customer solutions

- Identifies problems, critically reviews facts, identifies root causes and derives practical solutions

- Quality Focus - Identifies sources of errors or aspects impacting quality of work/service delivery and determines a course of action to prevent their recurrence

- Strives to continuously improve existing process and devise new ways of doing things within own sphere of operation to enhance efficiency in operations and processes

TECHNICAL COMPETENCIES

Technical Competencies - Systems Knowledge (FinnOne / FCR)

- Asset Product Knowledge