Position: Manager (Operations) Location: Head Office – Gramserv Pvt. Limited, Bengaluru Reports To: Head – Recovery / Senior Management
Role Purpose
To lead and manage operational activities related to Business Correspondence services provided to partner banks, ensuring effective sourcing, monitoring, recovery, and renewal of loans extended to Joint Liability Groups (JLGs) and Self Help Groups (SHGs). The role is pivotal in maintaining operational discipline, compliance, and efficiency across all districts.
Key Responsibilities
Loan Operations
- Oversee end‑to‑end loan lifecycle: sourcing, documentation, disbursement, monitoring, recovery, and renewal.
- Ensure compliance with partner bank guidelines, RBI norms, and Gramserv policies.
- Coordinate with field teams and BCAs for smooth execution of loan processes.
Monitoring & Risk Control
- Track NPA/SMA accounts and initiate corrective measures.
- Develop MIS dashboards with district/taluk‑wise loan performance.
- Conduct periodic audits of JLG/SHG accounts to identify irregularities.
Recovery & Renewal
- Implement structured repayment follow‑up mechanisms.
- Monitor overdue accounts and escalate recovery actions where necessary.
- Ensure timely renewal of loans to eligible groups.
Team Leadership
- Supervise operational staff at Head Office.
- Provide training and support to field‑level BCAs and coordinators.
- Act as liaison between Head Office and district/taluk branches.
Compliance & Reporting
- Draft and issue show cause notices for audit irregularities.
- Prepare structured reports for management and partner banks.
- Ensure adherence to statutory and regulatory requirements.
Process Improvement
- Identify bottlenecks in loan operations and suggest refinements.
- Implement technology‑driven solutions for monitoring and reporting.
- Contribute to strategic planning for expansion of BC/BF services.