9 Post Disbursement Jobs

Job Purpose: To manage and oversee both online and offline disbursement processes across all locations, ensuring timely disbursement of loans, adherence to internal and regulatory guidelines, insurance solvency, and coordination with branches for smooth operations. The role demands efficiency in TAT management, audit readiness, and continuous improvement in disbursement-related metrics. Key Responsibilities: 1. Disbursement Operations: Manage and monitor daily online & offline disbursements across all branches, ensuring adherence to laid-down norms and compliance. Ensure disbursement of TAT improvement: Share daily and weekly updates with management Ensure 100% engine & chassis number updation in the system before disbursement. Track and reduce branch file submission pendency ; send alerts to area in-charges for TAT exceedance. 2. Audit & Compliance: Coordinate and arrange disbursement files for audits ; respond to audit queries promptly. Conduct weekly internal audits to ensure process integrity and compliance. Perform IRR checking , ensuring alerts are raised if IRR falls below policy. 3. Insurance Management: Ensure pending insurance solvency is completed within the given days TAT. Track and share daily/weekly updates on insurance TAT with management. 4. Pre-Disbursement & Documentation: Improve Pre-Disbursement NACH activation ratio ; maintain and improve ratio with consistent follow-up. Manage tasks like penny drop follow-up , PDC pouch submission , file filling , file scanning , and franking . Ensure correct and timely vehicle number updates. Submit completed files to the PDD department post-disbursement. 5. Training & Branch Coordination: Conduct regular branch visits for training, process reviews, and on-ground issue resolution. Track and manage stationery orders and distribution to branches/markets. Preferred candidate profile Male Candidate with 8+ years of Loan Disbursement Experience Should have handled the operations team Should be able to handle and manage tight deadlines

Evaluate and underwrite SENP / SEP loan applications by analyzing financials, business profiles, and conducting personal discussions (PDs). Ensure credit appraisal is in line with company policy, KYC norms, financial assessments, and credit bureau checks. Maintain processing Turnaround Time (TAT) for all loan files and ensure timely approvals. Monitor credit quality and track economic indicators impacting portfolio performance. Ensure end-to-end compliance with login, sanction, and disbursement checklists and conditions. Coordinate with Sales and Credit teams to facilitate smooth file movement and reduce process gaps. Oversee execution and compliance of regulatory activities like CERSAI, CKYC, and NHB reporting. Manage secure storage of physical loan documents at the branch and dispatch to vaults within defined timelines. Support Location Operations Head during internal, concurrent, statutory, and NHB audits with required data and process adherence. Ensure branch infrastructure and administrative processes comply with NHB and internal operational guidelines. Conduct regular training and updates for sales teams on new credit policies, circulars, and audit observations. Prepare and maintain accurate credit and operations MIS for branch performance tracking and reporting. Implement operational improvements and risk mitigation strategies across credit and loan processing functions. Cost control measure to be taken to improve Branch Profitability

1. Ensuring compliance with the process and login checklists at all times 2. Compliance of sanction and disbursement conditions 3. Coordinate with Branch Sales and Credit teams for smooth flow of loan files 4. Assist Location Ops Head during various Audits (Concurrent, Stat, NHB) 5. Assist Location Ops Head in ensuring Branch Infra & Admin Compliance at all times as per NHB & Organization norms 6. Branch Ops MIS management 7. Execution knowledge of Regulatory activities like CERSAI, CKYC and other reporting Authorities 8. Ensure all loan documents are safely stored at Branch premises and dispatched for vault storage in a timely and qualitative manner

1. Ensuring compliance with the process and login checklists at all times 2. Compliance of sanction and disbursement conditions 3. Coordinate with Branch Sales and Credit teams for smooth flow of loan files 4. Assist Location Ops Head during various Audits (Concurrent, Stat, NHB) 5. Assist Location Ops Head in ensuring Branch Infra & Admin Compliance at all times as per NHB & Organization norms 6. Branch Ops MIS management 7. Execution knowledge of Regulatory activities like CERSAI, CKYC and other reporting Authorities 8. Ensure all loan documents are safely stored at Branch premises and dispatched for vault storage in a timely and qualitative manner

We are currently hiring for Credit Specialist (International Voice Process) for a global Bank India, Location Hyderabad. Experience: Underwriting, Pre-underwriting, Post Closing, Customer Service, Voice process, Calling, International Voice process. Role: Credit Specialist (International Voice Process) Job type: Permanent Role Context The role is to foster and encourage a sound common underwriting culture and to avoid undue risk concentrations, with the aim of ensuring a sustainable high quality lending portfolio. In carrying out these duties, the jobholder must be fully aware of the need to meet customer requirements and the overall effect of the marketplace on the credit process. At all times, credit standards as issued by Credit & Risk must be adhered to. In fulfilling these objectives, there is a need to provide direction and guidance to the branch network/direct sales channels. In summary, the prime objective is to ensure that an appropriate balance is achieved between maximizing income, maintaining a well-balanced book as to risk, ensuring credit standards are observed and at the same time being fully responsive to the needs of the customers and the marketplace. ontext The role is to foster and encourage a sound common underwriting culture and to avoid undue risk concentrations, with the aim of ensuring a sustainable high quality lending portfolio. In carrying out these duties, the jobholder must be fully aware of the need to meet customer requirements and the overall effect of the marketplace on the credit process. At all times, credit standards as issued by Credit & Risk must be adhered to. In fulfilling these objectives, there is a need to provide direction and guidance to the branch network/direct sales channels. In summary, the prime objective is to ensure that an appropriate balance is achieved between maximizing income, maintaining a well-balanced book as to risk, ensuring credit standards are observed and at the same time being fully responsive to the needs of the customers and the marketplace.

We are hiring finance Manager for the Bank location : Bijapur

Role & responsibilities Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team. Stamp Duty as per Legal Stamp Duty Grid is adhered too. Limits & Collateral Maintenance. CERSAI Maintenance. (Charge Creation & Release) Checker for Mortgage, Hypothecation & Intangible assets - basis terms of sanctions. Updating of PSL for CCOD product basis the PSL template received from business along with TS / SL. Insurance Policy Maintenance (basis terms of Sanction) - information to centrailzed insurance policy maintenance desk. Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS. (Wherever there is a term loan / WCDL facility at the time of limit setting), Limit loading Instructions (LLI) to Treasury team for treasury products & CMS team for CMS products. Insertions (documents received post disbursement). Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained). Tracking of post disbursement conditions related to Wholesale & Commercial operations in DRS as pre-approved. Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds Property wise i.e. for every property mortgaged separate docket is a must) including insertions to DMT for further action & receipt of acknowledgement in ET / Register (in case of non-ET transactions, if any). Handover of PDC / SPDC’s to the Vendor on a weekly basis & receive acknowledgement. Liaison with Auditors & Ensure no audit queries. MIS (Daily Reporting, Pending Status, Insertions). Confirmation to DMT for Release of property & verification of the property documents before releasing to customer / RM / customer service. Signatories for issuance of sanction letter are in accordance to the list of signatories provided by Business & Credit Preferred candidate profile Detail oriented and ability to multi-task Good Interpersonal skills and ability to work in teams Excellent Communication Skills

Roles and Responsibilities Assist in post-disbursement activities, including document verification and loan processing. Perform data entry tasks accurately and efficiently. Ensure timely completion of assigned tasks within given deadlines. Maintain accurate records and reports for auditing purposes. Collaborate with team members to achieve process goals.

Key Responsibilities: Loan Application Review : Ensure loan applications and documents are accurate, complete, and comply with guidelines. Credit Risk Analysis Support : Assist in evaluating creditworthiness and conduct due diligence on borrowers. Documentation and Agreement Handling : Draft, execute, and store loan agreements and collateral documentation. Disbursement Processing : Coordinate timely loan disbursements and ensure pre-disbursement formalities are met. Post-Disbursement Monitoring : Track loan repayments, follow up on overdue payments, and ensure recovery compliance. Compliance : Ensure adherence to legal, regulatory, and internal policies. Customer Service : Address customer queries regarding loan terms, repayment, and documentation. Reporting : Prepare reports on loan status, delinquencies, and assist in audits. Qualifications: Education : Bachelors degree in finance, Accounting, Business Administration, or related field. Experience : 2-3 years in credit administration or loan processing in an NBFC or financial services company. Experience in education loans, overdrafts, or loans against property is preferred.