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Specialist-Housing Loan Operations
Multiple locations
Sub Department
EAST ASSET OPERATIONS
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
8 years - 10 years
- POSITION DESCRIPTION
JOB TITLE
Specialist-Housing Loan Operations
GRADE
SM
DEPARTMENT
Operations
LOCATION
RO
SUB-DEPARTMENT
Asset Ops
TYPE OF POSITION
Full-time
REPORTS TO
Manager-Housing Loan Operations
REPORTING INTO
NA
ROLE PURPOSE & OBJECTIVE
Responsible for smooth working of Assets Operation- Responsible for daily Reconciliation of GL & Disbursement Process
- Responsible for timely closure SR and Complaint
- Coordinate with Business for closure of the issue
- Vendor management and timely renewal of vendor agreement
- Coordinate between Payments unit for accurate funding
- Ensure adherence to process and regulatory compliance
- Responsible for timely implementation of regulatory circulars relating to Assets Operations
SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
CAPEX / OPEX Budgets resting with the role- Total Buying / Procurement
- Total Revenue
- Portfolio Managed
Number of vendors / consultants- Number of portfolio products
- Volume of products and services
- Quantity of equipment / stocks / projects / etc.
KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business/ Financials
- Process loan within the agreed SLA
- Publish daily MIS to support Business
Customer
- Ensure the branch grievances are addressed and resolved within the stipulated time frame.
- Maintain accuracy in Financial Transactions viz. Loan Amount, Processing Fee, Insurance, and other income and expenses ledgers.
- Zero Instances of wrong disbursements
- 100% reconciliation of Loans Disbursed Vs mandate Registered/Rejected
- Managed Operation Service Quality Index properly and work on it’s Improvement
Internal Process
- Tracking of documents received and handled at RO
- Daily recon of Cash In Hand & Operations ledgers.
- Monitor records unit to ensure process compliance and Customer confidentiality
- Audit of high value documents
- Monitoring of physical documents against image-based processing
- Monitoring of post disbursal documents (Ro copy etc.)
- Scrutinize property document against the legal opinion report.
Learning & Innovation
- Learning of new process of other Units
- Update self about SOP’s pertaining to the transactions handled.
- All assigned modules for the Team to be completed in Swayam
- Skip- level meetings / townhalls/Online with members of teams managed - at least 1 per month
- Attrition in units managed should be reduced by a factor of 5% vis-a-vis actual annualized attrition rate of 2021-22.
- Back up Identification and training of all critical roles.
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
Graduate in any discipline
Experience
7+ years of experience;
Certifications
Banking Exams
Functional Skills
Sound functional knowledge of banking ops processes- Conversant with core banking applications (Finacle preferred) and CRM applications
- Working knowledge of workflow applications such as Siebel, FCRM etc.
- Usage of MS Excel and MS Word
Behavioral Skills
Good communication skills – both oral and written- Good interpersonal management skills
- Problem solving skills
- Decision making ability
Competencies Required
Multitasking ability- Building Relationship
- Driving Change
- Planning & Organizing
- Driving Execution
- Collaboration
KEY INTERACTIONS
INTERNAL
EXTERNAL
Business Team- Branches
- SQ, Digital, Vigilance and Phone Banking & IT
- Other internal team in Operation
VENDORS- Other Banks
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