- 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 solid 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.
- 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