AKASH

Initial Interaction with Loan Files

• Serve as the first point of contact for assessing and handling the customer’s loan file.

Documentation Verification

Check and verify all required documentation including:

• KYC documents
• Income proofs
• Financial statements
• Ensure completeness and compliance as per policy.

Query Management via Online Shikhar Portal

• Raise queries on the Shikhar Portal for any document pendency or discrepancies.
• Ensure that missing or incomplete documents are requested and received in a timely manner.

Coordination with Third-Party Vendors

Liaise with vendors for timely generation of reports including:

• Field Investigation (FI) Reports
• Field Credit Unit (FCU) Reports
• Personal Discussion (P.D.) Reports

Policy-Based Document Review

• Evaluate all documents to ensure alignment with internal credit and compliance policies.

Case Escalation

• Escalate cases with unresolved issues or documentation gaps to the respective branches for further action.

Application Logging (Finnone)

• Log each loan case accurately into the Finnone Application.
• Manage LOS (Loan Origination System) movement of all cases within Finnone.

MIS & Reporting

Prepare and maintain daily/weekly/monthly reports on:

• Logged-in cases
• Approved/declined files
• Pending documentation
• Share data with management for review and forecasting.

Expertise in Financial Documentation

• Possess thorough knowledge of various income and financial documents relevant to both salaried and self-employed individuals.

CIBIL Report Generation

• Generate CIBIL credit reports for both salaried and self-employed applicants as part of the credit evaluation process.

Internal Coordination

• Coordinate with the credit, operations, and risk departments to ensure smooth processing of loan files.

TAT (Turnaround Time) Monitoring

• Ensure timely processing of applications within predefined SLAs (Service Level Agreements).
• Proactively escalate cases approaching TAT deadlines.

System Data Entry & Accuracy

• Ensure accurate data entry in systems (Finnone, LOS, LMS, etc.) for customer, product, and financial information.
• Avoid data mismatch that could lead to underwriting errors.

Training and Process Updates

• Stay updated with the latest internal policies, RBI guidelines, and process changes.
• Participate in training programs for new systems or process improvements.