Deputy Unit Manager - Operations and Service

Job description

**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