Assistant Branch Operations Manager - Home Loan

Role & responsibilities

1. Loan Processing & Documentation

• Scrutinize and verify loan application documents for completeness and accuracy.
• Ensure timely login of files into the system and coordinate with credit and legal teams.
• Manage document collection, validation, and storage as per company policy.

2. Compliance & Risk Management

• Ensure adherence to internal policies, regulatory guidelines, and audit requirements.
• Monitor KYC compliance and flag discrepancies.
• Support internal and external audits with required documentation and clarifications.

3. Audit Responsibilities

• Maintain audit-ready documentation and records for all operational activities.
• Coordinate with internal audit teams during periodic and surprise audits.
• Address audit observations and ensure timely closure of audit points.
• Implement corrective actions and process improvements based on audit findings.
• Ensure branch operations are aligned with companys SOPs and regulatory norms.

4. Customer Service & Coordination

• Act as a point of contact for customer queries related to documentation and disbursal.
• Coordinate with sales, credit, legal, and technical teams for smooth file movement.
• Ensure timely communication and updates to customers and stakeholders.

5. Disbursal & Post-Disbursal Activities

• Manage pre-disbursal checks and ensure compliance with sanction terms.
• Coordinate with central disbursal teams for timely fund release.
• Handle post-disbursal documentation, insurance, and registration follow-ups.

6. MIS & Reporting

• Maintain and update daily/weekly/monthly MIS for operational activities.
• Share reports with the Ops Head and other stakeholders as required.
• Highlight bottlenecks and suggest process improvements.

7. Team Support & Training

• Support junior team members in understanding processes and resolving issues.
• Conduct periodic training on documentation, compliance, and system updates.

Preferred candidate profile:

1. Key Skills & Competencies

• Strong understanding of home loan documentation and disbursal processes.
• Knowledge of regulatory and compliance requirements in housing finance.
• Familiarity with audit processes and documentation standards.
• Good communication and coordination skills.
• Proficiency in MS Office and loan management systems.
• Attention to detail and problem-solving ability

2. Qualifications & Experience:

• Graduate/Postgraduate in Commerce, Finance, or related field.
• 35 years of experience in home loan operations or similar role.
• Prior experience in branch operations or housing finance preferred