Senior Associate - Retail Accounts, Cards and Loan Processing

Key Accountabilities

•   The Job holder holds primary line management accountability for the functioning of account services unit. Ensuring compliant with SOP's and effective interaction and coordination with branches as per Business requirements.

•   Maker checker controls exist on all processes should be reviewed monthly.

•   The supervisory checking of processes under the job holder’s purview includes.

•   Checking of accounts opened by user is authorized correctly, debit cards, cheque books are checked, and signatures are scanned and authorized timely.

•   Ensure controls are in place and maker checker is followed stringently. Adhering to SOP's and CMPs and ensure that agreed SLAs and TAT are followed.

•   Adherence & awareness of all compliance rules and regulation. Adhere to Clean desk and Desktop policy.

•   Adhering to Compliance (No operational loss) and Adhering to Punctuality and Leave requirements in line with HC policy. Adhering to policies & Procedures.

•   Warning letter I Memo will be issued for any financial loss / Bad conduct and Incident report to be raised which will have direct impact on KPl's.

•   All E-Leaming courses to be completed as per HR Guidelines

•   Perform supervisory checking or all processes under account services.

•   Ensure no impact on pr10nty / ADHOC processing and ensure exceptional approvals are taken for incomplete documents/urgent processing as per DOA.

•   Support issue identification and resolution - resolve issues on the same day and inform business if query not resolved.

•   Ensure staff are fully cross trained on all products.

•   Ensure SLAs are adhered. Sadara and Private banking requests are processed on the same day as per the Highlighted CRM cases.

•   Monitor accuracy - checking of daily reports and monthly reports to exercise controls and monitor performance.

•   Files to be verified End to End and returned in CRM with appropriate reasons for branches 10 take action and resubmit after correction.

•   Strive for process improvements and co-ordinate with Ops technology partner for end-to-end closure and implementation.

•   Productivity and cost saving projects by bringing about process improvements.

Activities performed by Specialist.

•   Authorization of Signatures. Debit cards. Account opening, CRM requests and Maintenance within the agreed timeline.

•   Blocking / Unblocking and adding Special conditions on customer accounts along with necessary approvals.

•   Allocation of Signature and performing Daily Reconciliation on Signatures

•   Validate Daily Account opening report for identifying any un-authorized account opened by the users not pertaining to Account services and report the same.

•   Rework Reports to be shared on a daily basis for reporting.

•   Performing validation on closed accounts and Account nominations

•   Performing/Identifying special cond1t1ons removed/added by Account Services users.

•   Queue monitoring and ensure all the queues (CRM / ECMS / Signature I Kapiti) are cleared on a daily basis.

•   System access to be reviewed half yearly and passwords provided by systems security should be strictly confidential and not shared at any cost.