<p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-size:small"><span style="background:white"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif"><span style="font-style:normal"><span style="font-variant-ligatures:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:2"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:2"><span style="word-spacing:0px"><span style="text-decoration-thickness:initial"><span style="text-decoration-style:initial"><span style="text-decoration-color:initial"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">The purpose of this job is to govern branches at different locations for the zone through planning, budgeting and acquiring infrastructure and manpower. The role manages teams across branches and ensures that a robust continuity plan is in place for all existing branches. The role will also oversee reports related to PDD, OTC and renewals for the Zone and coordinate with stakeholders for faster resolution and minimal pendency at all times. The role will include scrutiny of legal and security related documentation of the customer, with relevance to legal tenability, marketability of security and sound security perfection. It will also ensure adherence to compliance by closely monitoring breaches and mitigating risks.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-size:small"><span style="background:white"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif"><span style="font-style:normal"><span style="font-variant-ligatures:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:2"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:2"><span style="word-spacing:0px"><span style="text-decoration-thickness:initial"><span style="text-decoration-style:initial"><span style="text-decoration-color:initial"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">The role will be responsible for branch visits across Zone and conduct stakeholder meetings to overcome process gaps (if any), streamline processes and setup controls for a better operational efficiency. The role will validate process and system enhancements suggested and coordinate with Change Management / IT BSG team for initiating the process / system changes.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-size:small"><span style="background:white"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif"><span style="font-style:normal"><span style="font-variant-ligatures:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:2"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:2"><span style="word-spacing:0px"><span style="text-decoration-thickness:initial"><span style="text-decoration-style:initial"><span style="text-decoration-color:initial"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">The role will be responsible to closely work with stakeholders and coordination in relation to all audits and scrutinize the observation for process gaps /understanding issue (if any) and provide management responses suitably for the same.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-size:small"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif"><span style="font-style:normal"><span style="font-variant-ligatures:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:2"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:2"><span style="word-spacing:0px"><span style="background-color:#ffffff"><span style="text-decoration-thickness:initial"><span style="text-decoration-style:initial"><span style="text-decoration-color:initial">This job is to lead the credit administration of C&amp;I and Emerging Businesses and&nbsp; logins, pre sanction, post sanction, disbursement &amp; services of Mortgages &amp; Retail Secured businesses. This role ensures that there is timely and error free execution of documentation in full compliance with the internal standards and external regulatory requirements. The role involves safekeeping of documents collected from customers followed by scanning and proper storage by maintaining their confidentiality.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-size:small"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif"><span style="font-style:normal"><span style="font-variant-ligatures:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:2"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:2"><span style="word-spacing:0px"><span style="background-color:#ffffff"><span style="text-decoration-thickness:initial"><span style="text-decoration-style:initial"><span style="text-decoration-color:initial">The role will also be responsible to conduct functional trainings / on the job trainings for new comers and front line business teams on regular basis. The role will also review the Standard Operating Procedures / RCMs on regular basis and ensure alignment of the branch processes or suggest modifications to improve operational efficiency.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-size:small"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif"><span style="font-style:normal"><span style="font-variant-ligatures:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:2"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:2"><span style="word-spacing:0px"><span style="background-color:#ffffff"><span style="text-decoration-thickness:initial"><span style="text-decoration-style:initial"><span style="text-decoration-color:initial">&nbsp;</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-size:small"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif"><span style="font-style:normal"><span style="font-variant-ligatures:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:2"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:2"><span style="word-spacing:0px"><span style="background-color:#ffffff"><span style="text-decoration-thickness:initial"><span style="text-decoration-style:initial"><span style="text-decoration-color:initial">&nbsp;</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <table style="color:#222222; font-family:Arial, Helvetica, sans-serif; font-size:small; font-style:normal; font-variant-ligatures:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:2; text-align:start; text-transform:none; white-space:normal; widows:2; word-spacing:0px; -webkit-text-stroke-width:0px; background-color:#ffffff; text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial; width:531pt; margin-left:7px; border-collapse:collapse; border:1pt solid windowtext" width="708"> <tbody> <tr style="break-inside:avoid; height:16.7pt"> <td colspan="2" style="border:1pt solid windowtext; background:#d9d9d9; width:531pt; padding:0cm 5.4pt; height:16.7pt; background-color:#ffffff" valign="top" width="708"> <h1 style="text-align:justify"><span lang="EN-US" style="font-size:14pt"><span style="font-family:Calibri, sans-serif">4) Key Result Areas:&nbsp;</span></span><span lang="EN-US" style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Write</span></span>&nbsp;<span lang="EN-US" style="font-family:Calibri, sans-serif"><span style="font-weight:normal">the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)</span></span></h1> </td> </tr> </tbody> <thead> <tr style="height:25.15pt"> <td style="border-bottom:1pt solid windowtext; background:#d9d9d9; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:25.15pt; background-color:#ffffff" width="347"> <p><b>Key Result Areas&nbsp;</b></p> </td> <td style="border-bottom:1pt solid windowtext; background:#d9d9d9; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:25.15pt; background-color:#ffffff" width="361"> <p align="left" style="text-align:left"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif">Supporting Actions</span></span></p> </td> </tr> </thead> <tbody> <tr style="height:23.85pt"> <td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" valign="top" width="347"> <p>Setting Up New Branches &amp;Running Continuity Planning for existing Branches</p> </td> <td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" width="361"> <ul type="circle"> <li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Work out a plan with costing and budgets to set up branches in strategic locations for their respective zones</span></span></span></li> <li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure that the best infrastructure and technology is made available for the team to run day to day operations</span></span></span></li> <li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">On-board people at the right time and with experience &amp; specific capabilities in operations, banking and lending domain</span></span></span></li> <li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure driving BCP drills and sharing BCP reports every quarterly to Operations Head for testing BCP set up capabilities</span></span></span></li> </ul> </td> </tr> <tr style="height:23.85pt"> <td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" valign="top" width="347"> <p>Credit Operations Management</p> </td> <td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" width="361"> <ul type="circle"> <li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Oversee all aspects of the operations transaction life cycle transactions from post sanction, pre &amp; post disbursement requirements, documentation and servicing activities, disbursals and post disbursal actions and ensure timely and accurate transaction processing</span></span></span></li> <li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Act as the point of escalation on critical customer complaints and authorise high value transactions / complex/ structured transactions.</span></span></span></li> <li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Lead the establishment of robust customer management</span></span></span></li> <li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">frameworks to minimize complaints and drive retention</span></span></span></li> <li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Lead the establishment to build a robust &amp; scalable operations</span></span></span></li> <li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Enable data support on litigation cases and ensure the team provides all the required information in a timely and seamless manner</span></span></span></li> <li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Provide exceptional approvals for PDD/OTC queries, deviations and resolution management.</span></span></span></li> <li style="margin-left:15px; text-align:left; background:white">&nbsp;</li> </ul> </td> </tr> <tr style="height:23.85pt"> <td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" valign="top" width="347"> <p>Pre Disbursement Activities</p> </td> <td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" width="361"> <ul type="circle"> <li style="text-align:justify; background:white; margin-left:15px">Oversee daily execution of documentation in full compliance with the internal standards and external regulatory requirements</li> <li style="text-align:justify; background:white; margin-left:15px">Ensure timely preparation and issuance of required letters like sanction letters, amendment letters, ROI based on credit decisions/ sanction note</li> <li style="text-align:justify; background:white; margin-left:15px">Ensure standard legal and security documents are given to the Business team, depending on type of product and security within stipulated timelines</li> <li style="text-align:justify; background:white; margin-left:15px">Ensure customer submitted documents are checked within the given timelines. In case of discrepancies, share details with Relationship Manager to complete/ rectify the documentation</li> <li style="text-align:justify; background:white; margin-left:15px">Support in smooth resolution of complex documentation issues</li> <li style="text-align:justify; background:white; margin-left:15px">Oversee PDD and OTC tracking done by the team prior to issuance of release order</li> </ul>

		<ul type="circle">
			<li style="margin-left:15px; background:white">&nbsp;</li>
		</ul>
		</td>
	</tr>
	<tr style="height:23.85pt">
		<td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" valign="top" width="347">
		<p>Post Disbursement</p>
		</td>
		<td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" width="361">
		<ul type="circle">
			<li style="background:white; margin-left:15px">Ensure follow ups of outstanding PDDs/OTC and look into escalation cases, where required</li>
			<li style="background:white; margin-left:15px">Ensure completion of all activities related to security perfection of assets - CERSAI</li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Oversee renewal tracking done by the team and ensure that renewal letters are prepared and issued within stipulated timelines Supervise the loan booking and servicing activities for their respective zones and ensure they are completed within the stipulated TAT</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure that only completed files are getting processed by the operations team at the branch level</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Oversee cash collections and technical bounce data for the zone</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Handle service level escalations and complaints for HNI customers and authorise high value transactions / complex/ structured transactions.</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Build robust customer management process to ensure customer retention and zero customer complaints</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Oversee closure and foreclosure activities at&nbsp; the zone level</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Instrumental in providing data and evidence for all legal litigation cases of defaulters on a case to case basis</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Manage post disbursement documentation by conducting follow ups with stakeholders, reporting discrepancies to the Management and updating the system on a periodic basis</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure updation of drawing power in case of stock based limits</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure renewal of insurance on collateral to safeguard the portfolio</span></span></span></li>
		</ul>
		</td>
	</tr>
	<tr style="height:23.85pt">
		<td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" valign="top" width="347">
		<p>Fund Management &amp; Banking</p>
		</td>
		<td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" width="361">
		<ul type="circle">
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure error free transactions within defined timeframe</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Manage funds for disbursement by keeping a check on balances through the number of transactions completed by each branch</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Determine the amount of fund required to complete all transactions within the stipulated TAT</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Attend to unidentified funds and take action to ensure that no items are open</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Monitor branch accounts in relation to part repayment and foreclosures</span></span></span></li>
			<li style="margin-left:15px; text-align:left; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure local banking activities and reconciliation is completed on time</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure the RTGS NEFT information shared by customer is accurate&nbsp;</span></span></span></li>
		</ul>
		</td>
	</tr>
	<tr style="height:23.85pt">
		<td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" valign="top" width="347">
		<p>Process Controls &amp; Checks</p>
		</td>
		<td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:23.85pt; background-color:#ffffff" width="361">
		<ul type="circle">
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure all policies and processes related to loan processing and disbursement are up to date and followed by the team</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Conduct internal branch audits at regular intervals to ensure there are no critical observations</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Maintain performance metrics, defect ratio and ensure SLAs are met within the agreed timelines</span></span></span></li>
			<li style="text-align:justify; background:white; margin-left:15px">Ensure ROC, CERSAI and SRO charge registration is completed within given timelines</li>
		</ul>

		<p>&nbsp;</p>
		</td>
	</tr>
	<tr style="height:28.6pt">
		<td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:28.6pt; background-color:#ffffff" valign="top" width="347">
		<p><span style="background:white">Stakeholder/ Vendor</span></p>

		<p>Management</p>
		</td>
		<td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:28.6pt; background-color:#ffffff" width="361">
		<ul type="circle">
			<li style="background:white; margin-left:15px">Ensure outsourcing vendors of secured products deliver the agreed SLAs</li>
			<li style="background:white; margin-left:15px">Ensure that the team is having regular interactions with the Relationship Manager to complete correct documentation at the customer&rsquo;s end</li>
			<li style="text-align:justify; background:white; margin-left:15px">Attend meetings with Sales and Risk team to discuss outstanding PDDs/OTCs, issues and escalations</li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Liaise with statutory, regulatory and external third parties for conducting audits for branches in their zones</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Liaise with external vendors for storage of property related documentation, prepare and sign an agreement with the vendor and conduct regular audits at vendor site</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Liaise with banks for activities related to Regional Processing Centre&nbsp; and Cash Management Services</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Work closely with agencies that are involved in cash and cheque pickups for repayment</span></span></span></li>
			<li style="margin-left:15px; background:white">&nbsp;</li>
		</ul>
		</td>
	</tr>
	<tr style="height:28.6pt">
		<td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:28.6pt; background-color:#ffffff" valign="top" width="347">
		<p>People Management</p>
		</td>
		<td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:28.6pt; background-color:#ffffff" width="361">
		<ul type="circle">
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">On-board, training and review performance of their direct reports in branches under their purview</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Provide job rotation opportunities to all team members</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Give various assignments to team members that are linked to streamlining and standardizing processes &ndash; centralised welcome letters, creation of retrieval matrix, implementation of formats</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure low attrition for the Zone</span></span></span></li>
		</ul>

		<p>Kaizen training to improve quality of the loan disbursement process</p>
		</td>
	</tr>
	<tr style="height:29.4pt">
		<td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:29.4pt; background-color:#ffffff" valign="top" width="347">
		<p>Compliance Management &amp; Reporting</p>
		</td>
		<td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:29.4pt; background-color:#ffffff" width="361">
		<ul type="circle">
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Drive adherence on all policies and processes related to loan processing and disbursement within the Retail Assets operations team</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Oversee the creation of an audit calendar and ensure timely process audits are carried out and remedial actions are taken to closure within the branch network</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Track performance metrics, defect ratio and SLAs and identify trends/ patterns that need to be addressed in order to drive greater efficiencies</span></span></span></li>
		</ul>

		<p>Responsible for 70% of the compliance points of Operations functions which is signed off for the board quarterly.</p>
		</td>
	</tr>
	<tr style="height:29.4pt">
		<td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:29.4pt; background-color:#ffffff" valign="top" width="347">
		<p style="text-align:justify"><span style="background:white">Stakeholder/ Vendor</span></p>

		<p>Management</p>
		</td>
		<td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:29.4pt; background-color:#ffffff" width="361">
		<ul type="circle">
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Engage with Business Leadership, Risk &amp; Compliance, Legal &amp; IT as well as Collections teams to discuss process improvements and operational risk as the case may be and identify solutions</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Front end interfaces with statutory, regulatory and external third parties during key audit/ compliance/ transaction milestones</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Oversee vendor empanelment processes and contracting and define vendor evaluation metrics to drive quality</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Work closely with key individuals within banking on streamlining processes related to Processing and Cash Management Services</span></span></span></li>
		</ul>
		</td>
	</tr>
	<tr style="height:29.4pt">
		<td style="border-bottom:1pt solid windowtext; width:260pt; border-right:1pt solid windowtext; border-left:1pt solid windowtext; border-image:initial; border-top:none; padding:0cm 5.4pt; height:29.4pt; background-color:#ffffff" valign="top" width="347">
		<p style="text-align:justify"><span style="background:white">People Management</span></p>
		</td>
		<td style="border-bottom:1pt solid windowtext; width:271pt; border-top:none; border-left:none; border-right:1pt solid windowtext; padding:0cm 5.4pt; height:29.4pt; background-color:#ffffff" width="361">
		<ul type="circle">
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">On-board, training and review performance of their direct reports in branches under their purview</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Provide job rotation opportunities to all team members</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Give various assignments to team members that are linked to streamlining and standardizing processes &ndash; centralised welcome letters, creation of retrieval matrix, implementation of formats</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Ensure low attrition for the Zone</span></span></span></li>
			<li style="margin-left:15px; background:white"><span lang="EN-GB" style="font-size:12pt"><span style="font-family:Calibri, sans-serif"><span style="font-weight:normal">Kaizen training to improve quality of the loan disbursement process</span></span></span></li>
		</ul>
		</td>
	</tr>
</tbody>

</table>