Senior Associate /Credit Approver CBG, Risk Management Group

• To monitor the CSM’s are verifying the KYC & bureau reports for pre login cases and ensure the proposals are logged in as per the login checklist.
• To ensure that the team satisfies the due diligence as per internal guidelines.
• To oversee the team and ensure seamless login/disbursement/limit-setting and other operations process for the entire region.
• Liaison with the CBG Operations Team and ensure timely disbursal of applications.
• To ensure the CSMs initiate and follow-up with legal & technical vendors for getting the reports on time.
• To ensure that stipulated TAT are met and ensure stakeholder management.
• To ensure all processes have adequate controls and must be proactive to detect any risks involved in the processes.
• Ensure vendor payments are processed on time.
• Core operational responsibilities include risk & controls measures, ensuring satisfactory audit report, data security, sales controls, empanelment documentation, vendor management.
• To work as a support mechanism for the sales & credit team to ensure seamless workflow.
• To provide solutions for the problems derived and handle escalations.
• To track end-to-end complaint management and resolution and do root cause analysis where required.
• To develop training materials and coordinate training for all staffs.
• To manage KYC and all compliance related processes in the business.
• To ensure teams compliance with group policy and standards on money laundering prevention or local regulatory requirements for the prevention of money laundering.
• To make sure that all online training is completed by all CSM’s.
• Also responsible for post sanction documentations as per the disbursement checklist and sending these files to operations team for storage post disbursement.
• Position requires rigorous follow up on clearing ops query on a stipulated TAT.

• Verification of files including KYCs (Completeness and authenticity) - Maker
• Initiation of checks (CERSAI, Fraud, Legal, technical and KYC) prior to assessment by credit underwriter with the stipulated TAT.
• Bureau Trigger
• Preparation of assessment and credit templates
• Coordination with third party vendor for reports as per SLA
• Storage of credit file at the hub
• Maintaining pricing approvals
• Handover of credit file to credit underwriter for decisioning
• Check completeness of post sanction documentation
• Ensure receipt of title documents and vetting completion by external lawyer
• Share soft copies of post sanction documentation with central operations for disbursal
• Send credit files to central operations for storage
• Handle post onboarding customer service request by co ordinating with branches

• Verification of login documents as per login checklist processing.
• CA/SA Opening & CIF ID follow up & Obtainment
• Initiation of CERSAI, Fraud, Legal & technical once the file is logged in through SFW.
• Preparation of credit tools for assessment.
• Follow-up with vendors for getting the reports on time.
• Handover of credit file to credit underwriter for decisioning.
• Ensure receipt of title documents and vetting completion by external lawyer.
• Ensure the disbursal documents are prepared with the coordination of branch team & centralized operations and upload in required in SFW and submit to CBG Operations.
• Maintaining the TAT less than 3 days from final approved to disbursement
• Discrepancy Completion - Post Disbursal
• Need to submit the original Documents to CBG Ops within TAT
• Insurance Pendency follow-up & completion
• Following with finance team for Legal & Tech Vendor Payment

DBS Bank