Deputy Unit Manager - Operations and Service

Job Purpose

Responsible for monitoring, analyzing and reporting of Transaction alerts generated for credit operations. The role is a critical element of organizations defense against money laundering, terrorist financing and fraud.

Duties and Responsibilities

Conducting detailed and thorough investigation of cases/alerts in accordance with internal policies, process and external regulations (e.g. RBI KYC Policies, PMLA Act Rules)

Fetch relevant information from various internal systems (e.g. Pennant, Miles, Finacle, CRM, Customer 360 etc.) required for customer transaction analysis

Able to analyze transaction history in accordance with customer profile for products like Gold Loan, LAS, Flexi, SME,etc to identify anomalies

Good domain knowledge of BFL product, processes and systems

Identification and timely escalation of potential suspicious transactions for further investigation

Writing detailed analysis of transactions investigated

Keeping updated with recent changes with respect to RBI KYC Polices, PMLA Act, etc

Assist with the preparation of departmental MIS and reports and other activities

Providing inputs for improvising AML search effectiveness

Required Qualifications and Experience

Graduate Degree, 3 - 5 yearsexperience in lending business.

Domain knowledge pertaining to products such as Gold Loan, LAS, Flexi, Professional / Business Loans

Understanding of Onboarding process, financial transactions and other processes in lending lifecycle

Sound knowledge of Internal Policies, Risk, Compliance and Regulatory requirements

Good understanding of PMLA Act, RBI KYC Policies etc

Ability to interpret Regulatory requirements

Knowledge of KYC/ML/CDD/EDD/Sanctions/PEP Screening/Knowledge of SAR/STR process, desirable.

Applicant should be well versed with MS Excel, working knowledge of SQL preferred

Ability to work independently and accomplish task assigned

Collaborative work style to engage with peers colleagues in other functions across the company

High motivational levels and a self-starter.

Should possess the below skill sets: - Strong Analytical skills, Good written and verbal communication Good Interpersonal Skills, Influencing skills