Deputy National Lead | Credit Operations|JR001057++

Job Reference
• JR001057++

Job Summary
• Deputy National Lead - Credit Operations

Job Duties & Key Responsibilities
• Duties and Responsibilities -  Project planning and reporting  Identify improvement projects and external changes related projects  Generate ideas for improvement projects  Assist in overall preparation of overall project plan for execution of projects and prioritize projects based on requirements  Prepare monthly updates and reports on project status and progress to be shared with Supervisor and Head of Operations seek inputs on course correction  Add on Bank sourcing(DBS) and set up of end-to-end process along with reconciliation  Power BI Based reporting for sub process  Project management  Review the project plans prepared by the team and provide inputs on enhancing effectiveness  Review achievement of project milestones adherence to timelines etc.; Resolve issues roadblocks and escalations to ensure delivery as per desired objectives  Engage with business stakeholders/ Operations to provide status update on projects  Setting up automated QC platform for both partners(DBS and RBL)  Setting up fuzzy logic algorithm process to optimize manual processing  Parallel LOS system set up at Bank Site for Regulatory perspective  Due to collection migration to new Org additional recon increase(Collection payments)  Collection migration on third party entity(DBS and RBL)  Process management  Manage E2E – sourcing operations U/W Sent to RBL.  Review along with RBL the E2E processes of Upsell boarding dispatch and delivery.  Work with IT to address all system issues. Identify workarounds/ solutions to drive greater efficiency.  Track metrics of how each merchant is performing. Identify issues as well as opportunities for driving higher performance  Additional bank added(DBS) for end-to-end tracking along with reconciliation  Time to Card process monitoring to reduce card delivery(Insta)  Data Purging process implemented along with Regular recon  Reward reconciliation with both partner bank (DBS and RBL)  Voice log transfer and reconciliation  Resolve all BAU issues being faced by team  Manage all process KPI  Regularly review individual performance of the team  Payment’s processing  Monitor and track all RBL and DBS payments received at Branches.  Ensure that payments are transferred to RBL and DBS on a timely and periodic basis. Resolve issues.  Coordinate with RBL to address any queries and escalations drive resolution.  Integrated OTB release functionality with both partner bank  Cancellation and refund process streamline  Daily KPIs tracked for Payment related activities  Team management activities 1. Assign tasks to individuals 2. Set clear expectations from team a. Individual KPIs b. Accountable for tasks c. Goals and targets (and how these ties to the overall company objectives) d. Responsibilities are in the team 3. Hiring and Attrition Management 4. Ability to carry out and coordinate with team to execute their tasks and common goals
• Major Challenges -  Changes in Regulatory and legal requirement as this impacts the projects decision / changes to be made to the processes.  Entire set up driven by partner bank and less opportunity to intervene  Card Processing are running as per Bank Policies hence not able to implement our ideas as per expectations  To mitigate the Bank compliance requirements modify the standard internal process  Few decisions are depending upon Banks so implementation will take time  New Partner Bank (DBS) added end to end parallel processing for DBS will be running along with RBL Bank  Collection migration on new Company platform (RBI Guidelines) which will impacts and creates Operational recons  Similar LOS at RBL Bank end to adhere compliance it will create more reconciliation issues / gaps..  Cannot set standard process for both partner bank