Job Description

1. Loan Disbursement & Operational Execution
• End-to-end operational processing of secured and unsecured loan origination within defined SLAs.
• Ensure accurate documentation and adherence to internal and regulatory guidelines (UCIC, KYC/AML, credit policies, risk norms).
• Coordinate with Credit, Risk, IT, Product, Legal, Treasury, and Audit teams for timely approvals and smooth workflow movement.
• Documentation completeness.
• Manage UCIC and CKYC updation for all disbursed loans in coordination with IT and Product.
2. Stakeholder Management
• Work closely with internal & external teams to resolve operational bottlenecks and ensure a seamless customer experience.
• Escalate process gaps or system issues to the Lead Asset Operations for faster resolution.
• Maintain robust operational relationships with channel partners, vendors, and internal departments as per process requirements.
• Manage vendor interactions for operations related activities, ensuring compliance with Bank policies.
• Monitoring Invoice processing within defined SLAs subject to the receiving of correct supporting and required approval.
• Internal/external assessments of eligible vendors as per bank's policy including assessing governance risk related parameters as per the bank's framework.
3. Collections Management
• Monitor and manage collection related operational executions such as collection posting, advance allocation, refunds, reversal etc.




• Manage and monitor foreclosure and OTS waiver cases with respective MIS reporting within defined TAT.
• Loan Account Maintenance: Reschedule, Loan Closure, Part/Advance Adjustment, Waivers, Reversals, Excess collection refund, NOC etc.
• Correct posting of excess/short transactions, refunds, corrections, adjustments etc. within defined TAT.
• Issuance of various letters like NOC, settlement letters, etc in accordance with the team.
• NACH or UPI Mandate management like presentation, cancellation and re-registration etc. as per Business need.
• Managing DA and IBPC entry in system including the tracking of funds, reversals and payouts if any, as applicable.
• Managing CGFMU booking, claim settlement as per the process.
4. Compliance, Legal, KYC/AML & Audit Readiness
• Ensure UCIC, KYC/AML checks, documentation standards, and process adherence are followed across all loan files.
• Coordinate with compliance teams to implement regulatory updates and maintain process discipline.
• Prepare and present required documents, reconciliations, and explanations during internal/external/statutory audits.
• Prepare, update, and maintain SOPs, policies, and process documents in alignment with the Lead Asset Operations
• Prepare and present required documents in line with RCSA and GRC framework and enabling related controls.
• Initiating required Legal actions under SARFAESI act for NPA customers to support Business wherever applicable.

Key Responsibilities:

📌 Process Associate (Navi Mumbai)
🏢 Unity SFB
📍 Navi Mumbai