dictatorsiva r

Assess creditworthiness of individuals and

businesses applying for loans by analyzing

financial statements, credit reports, and

relevant financial information.

Assist clients with loan applications, ensuring

thorough documentation completion and

accuracy verification of provided information.

Prepare income calculations and create CAM

reports for loan applications.

Identify potential credit risks and develop

mitigation strategies, ensuring compliance with

regulatory requirements and company policies

Approve or reject loan applications based on

established criteria, while recommending

appropriate loan terms and conditions aligned

with borrower risk profiles.

Communicate with clients to understand their

financial needs and provide suitable credit

solutions, maintaining strong relationships for

enhanced business prospects

Monitor outstanding loans to ensure timely

repayments and prepare regular reports on

loan performance and credit risk exposure for

management review.

Collaborate with legal teams for efficient loan

documentation and recovery processes,

ensuring a seamless credit process.

Stay updated with industry trends, regulations,

and best practices, while providing training

and guidance to junior staff on credit

assessment procedures and risk management.

Address customer inquiries and resolve credit

account issues effectively, ensuring customer

satisfaction and retention.

Process for different types of products such as

Home Construction (HC) Loan, Loan Against

Property (LAP), construction, Small and

Medium Enterprise (SME) loans, Balance

Transfer, Balance Transfer Non-Home Loan

(Non-HL), Top-up Home Loan, and Internal

Balance Transfer Loan.

Fraud Dispute Investigation

Review and Closure of Digital Banking Fraud

Disputes as per RBI Customer Protection

Guideline.

Handling 4000+ average monthly cases for

Debit card online

Ensuring 100 % TAT compliance to close

cases within TAT

Review of fraud investigation reports and

representation to Internal Ombudsman

Maintaining chain of evidence to prove

customer liability (Logs & Alerts)

Managing Escalations: MD | Senior

Management | RBI BO

Review of high value disputes

Liaising with internal stakeholders from Risk,

Product, Quality, IT, ISG, Operations Liaisingwith

Aggregators, Merchants & Beneficiary banks

for holding funds, cancellation, reversal and

refund

to customer

Highlighting Top Beneficiary Merchants /

Beneficiary Banks

Publishing Daily MIS

Monthly Reporting of Vishing numbers to Law

Enforcement Sharing phishing sites used in

disputes to ISG for blocking.

401k operation executive

Reviewing the loan paperwork and facilitating

410k loan in accordance with the agreed-upon

terms and conditions for designated

applicants.

Preparing check list and loan calculation data

on daily basis.

Compiling loan trades daily upon approval.

Dealing with client questions and issues about

re amortization, checks, and loans .

Manage certain time bound processes and

ensure validation of pay roll information for

diverse

organization.

Performing payroll duties for both

semimonthly and weekly payroll cycle.

Entering ACH (automated clearing house)

payment manually for the employees those

who have

taken out loans.

Setting up and notifying participants who have

failed to make regular loan payments of the

loan

default notice.

Allocating checks and looking into past dues,

unapplied cash and cash breaks.

Generating amortization schedule plan in

response to inquiries from the plan sponsor or

eligible

participants.