Unit Head - Credit Admin| Mumbai

• The Unit Head – Credit Administration is responsible for leading and overseeing the checker function within the Credit Administration team for SME and Wholesale Banking portfolios.

• The role ensures accurate verification of credit documentation, compliance with approved sanction terms, adherence to regulatory and internal policies, effective risk management, and timely processing within defined service levels.

• The incumbent will manage and mentor team members, drive operational excellence, and ensure alignment of team objectives with organizational goals.

Responsibilities

• Verify sanction letters, loan documents, security documents, and mortgage creation documents to ensure accuracy, completeness, and compliance with approved credit terms.

• Review executed documents and authorize limit setup instructions in accordance with the Bank's policies, processes, and regulatory requirements.

• Coordinate with the Legal Department to obtain guidance and support document customization requirements wherever necessary.

• Ensure compliance with all pre-disbursement conditions and approved sanction terms before processing and authorization.

• Monitor and drive timely closure of non-recurring post-disbursement compliance requirements in coordination with business teams.

• Ensure all credit administration activities are processed accurately, error-free, and within the stipulated turnaround times (TATs).

• Proactively identify, assess, and mitigate operational, documentation, and compliance-related risks to safeguard the Bank's interests.

• Ensure adherence to applicable laws, regulations, internal policies, risk frameworks, and compliance requirements.

• Manage, mentor and empower team members to achieve high performance, productivity, and alignment with organizational objectives.

• Drive timely resolution of stakeholder queries and ensure effective coordination with business, operations, legal, and other internal teams.

• Review operational processes and recommend improvements in documentation, credit administration, and customer onboarding processes to enhance efficiency, control and customer experience.

Qualifications

Experience: 10 - 15 Years

Qualification: Graduation/ Post‑Graduation (Any specialization)