Senior Officer| Lending Financials

Role Responsibilities Domain Capabilities Product / Domain Knowledge Possesses in-depth understanding (end to end) on the product / process. The end-to-end features and functionality of Personal Loans / Overdraft / Mortgages / BB / Credit card product to be known. To be abreast of the changes advised by Country so that this is applied to the current process followed. To be able to relate to the TP enhancements eg done to RLS, EBBS, ICM, LOS, CCMS and Cards 400 with reference to the current process followed. To be able to suggest any enhancements to be done to the sub systems so that the work around or hands off is reduced. Able to perform rule based technical work involving acceptable deviations and exceptions. If the instructions provided by the Country involves decision making like checking the account for levy of late charges prior to effecting reversals etc, this is to be effectively carried out. Ability to understand the rejects done by TP systems like RLS, ICM, EBBS, CCMS and Cards 400 and investigate the reasons for such rejects. If the files are uploaded with a time lag, ability to understand the impact of such time lags and plan the next course of action accordingly. Able to identify, understand and articulate the requirements of the products from customer point of view & how it will benefit them. To keep in mind the customer's expectations with reference to conversion of transactions to EMI / RATE CHANGE / TENOR CHANGE / PRODUCT CHANGE. Process Management Able to identify opportunities to automate repetitive logic based manual activities. To review the processes which involve routine processing with a specific set of inputs and suggest methods of automation in the TP system. Any nonvalue added activities or duplicate checking activities either manual or on system is to be identified and highlighted to bring in process efficiency. Perform independent activities concurrently. To be able to check the financial transactions independently without referring to the logics applied by the maker. Exception based checking is to be done to ensure that the errors done by the makers are highlighted promptly. Give inputs from ground level after understanding the big picture. To have end to end understanding of the process so that automation opportunities in the TP systems can be provided. To be able to identify activities which are duplicated either in the total financial operations or with reference to the checking activity and suggest methods of decreasing TAT. Supports and involves in change management plans in achieving mutual objectives to manage change. As and when there are change initiatives driven by Country / Regulatory Authorities, should be able to plan the activities very well and deliver the required output with the least business interruption. Open to suggestions and experimentation. Any suggestions by the makers should be analysed effectively for opportunities of automation. To be willing to experiment