Some high level things you would own but not limited to:
1. Loan Operations & Processing
● Coordinate loan files from login to disbursement with Credit and Central Operations teams.
● Ensure loan files are complete with all mandatory documentation including KYC, financials, agreements, property documents and sanction conditions before submission for disbursement.
● Support pre-disbursement and post-disbursement operational activities at the branch level.
● Track case movement across stages and coordinate with stakeholders to ensure timely disbursement and processing.
2. Repayment & Loan Servicing
● Update customer repayment receipts and collections in system on a regular basis.
● Monitor cheque clearance, bounce cases and cheque re-presentation tracking.
● Process loan part payments, foreclosure requests and closure formalities in system.
● Coordinate issuance of NOC / Loan Closure letters and account statements to customers.
3. Customer Service & Relationship Handling
● Act as the primary point of contact for walk-in customers at the branch.
● Assist customers with loan applications, documentation requirements, repayment queries and servicing requests.
● Resolve customer grievances or escalate unresolved issues to relevant teams.
● Provide updates to customers regarding loan status, disbursement and servicing requests.
4. Documentation Management, MODT & Compliance
● Ensure proper documentation hygiene for all loan files maintained at the branch.
● Verify completeness of documents including loan agreements, KYC documents, property papers, sanction letters and declarations.
● Coordinate execution and tracking of MODT (Memorandum of Deposit of Title Deeds) or other collateral-related documentation where applicable.
● Ensure all loan documentation is executed as per regulatory and internal policy requirements.
● Maintain updated records for audit, compliance reviews and regulatory inspections.
5. Loan File Management & Storage
● Maintain structured and secure storage of loan files and customer documents at the branch.
● Ensure proper file indexing, inwarding and tracking of documents sent to central storage or vendors.
● Maintain records of document movement, retrieval requests and outward dispatch.
● Ensure adherence to company policies regarding physical document custody, archival and retrieval processes.
● Coordinate with document storage vendors and central operations for file storage and retrieval.
6. Reconciliation & Operational Controls
● Perform debit and credit reconciliation for customer accounts and branch transactions.
● Maintain branch MIS related to loan files, collections, disbursement and servicing activities.
● Identify operational discrepancies and coordinate with relevant teams for resolution.
7. Branch Administration
● Maintain branch inward/outward registers and operational trackers.
● Coordinate with vendors for courier, document storage, housekeeping and other administrative activities.
● Support the Branch Manager in ensuring smooth day-to-day branch operations.
What you would possess already:
● 5+ years of experience in handling Branch Operations.
● Well verse with the Regulatory compliances and policies
● Knowledge of NBFC / Banking branch operations
● Understanding of loan documentation and secured lending processes
● Strong attention to documentation accuracy and compliance
● Customer servicing and grievance handling
● Operational MIS and reconciliation
● Microsoft Office Suite (Word, Excel, PowerPoint)
