Deputy Unit Manager - Operations and Service
Bajaj Finserv
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Job Description
Job Purpose
Responsible for monitoring, analyzing and reporting of Transaction alerts generated for credit operations. The role is a critical element of organization’s 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
- Graduate Degree, 3 - 5 years’ experience 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
About The Company
Bajaj Finserv
Founded in April 2007, Bajaj Finserv is the financial arm of the Bajaj group. We believe in a simple philosophy to never settle for good and go for great. This reflects in our extensive product portfolio that spans across 3 broad categories- lending, insurance and wealth advisory. With 24 products spread across 12 product lines, we're one of the fastest growing and most diversified NBFCs in India. Our footprint spans the length and breadth of India.
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