Lead - Post Disbursal Documentation and Credit Compliance

LEAD PDD & CREDIT COMPLIANCE

Role Profile

               Lead - PDD & Credit Compliance

  
ROLE SPECIFICATION

ROLE SUMMARY (PURPOSE)

Own the entire PDD lifecycle across LAP, HL & other secured products. Build policy, process, and team to ensure 100% compliance on post-disbursal documentation. Minimize legal & audit risk by closing PDD items within RBI timelines and strengthening enforceability of security.

  
ORGANIZATIONAL CHART

KEY RESPONSIBILITIES

PDD Policy & Governance

Define PDD framework: What can be post-disbursal, max timelines, critical vs non-critical classification Set product-wise PDD matrix: LAP needs MODT, RM, ROC, insurance and other documents. HL needs mortgage, MODT, RM, tripartite, occupancy certificate and other documents. Align with Credit Policy, Legal, Risk, Compliance. Get Credit Committee approval for changes Review policy quarterly based on audit findings, RBI circulars, NPA root cause

Portfolio Monitoring & Control

Own pan-India PDD MIS: Ageing >30/60/90/180 days, branch/RM/state wise, doc type wise Set targets: <2% cases with PDD >90 days, Zero critical PDD >180 days Drive closure: Weekly war-room with Sales, Credit, Ops heads. Escalate to Business Head/Head – Credit/CBO Design incentive linkage: Hold 20% of RM incentive if critical PDD pending >60 days

Credit Compliance

Pre & Post Disbursal Pre-disbursal compliance check: Sanction vs policy. 

Post-disbursal audit: Sample 20% files monthly. Check if conditions met, docs executed correctly, disbursement memo matches sanction Regulatory compliance: KYC, CKYC, PMLA, Fair Practice Code, RBI digital lending norms, RERA, SARFAESI docs Deviations monitoring: Track all deviations approved. Trend analysis for policy correction

Compliance & Audit Management

Ensure RBI compliance: CERSAI within 30 days, mortgage perfection, insurance assignment Primary SPOC for RBI, NHB, internal & statutory audit on PDD Zero tolerance for findings: “Disbursed without MODT clause”, “CERSAI not filed”

Maintain audit trail & evidence repositories for all PDD closures

Team & Vendor Management

Build domain experts on MODT, RM, ROC, CERSAI Manage legal vendors for MODT, ROC filing agencies. SLA: 15 days TAT Empanel/de-panel based on performance. Cost negotiation.

  
KEY INTERACTIONS

KEY ROLE DIMENSIONS

• This is a Pan India Individual Contribution role, which requires continuous communication, mostly with senior leaders, compliance and technology team

  
KEY SKILLS & BEHAVIOURAL ATTRIBUTES

• Experience in PDD & Vendor management 
• Credit, Operation & Legal Functional expertise
• Familiar with a variety of location specific Collateral legal concepts, practices and procedures
• Strong understanding of the geographical spread
• Strong analytical skills and rich experience in conceptualizing strategy
• Ownership 
• High Energy levels
• Result Orientation with execution
• Cross Functional Team Synergy
• Decision making
• Effective communication
• Problem Solving
• Ethical & value driven
• A Team player who can manage efficiently in a Changing environment
• Ability to multitask and prioritize workload to complete assigned responsibilities in a fast paced changing environment
• Good oral, written and presentation skills

  
EDUCATION / EXPERIENCE

• Experience: 8-15 yrs in Credit/Ops/Legal. 3+ yrs in PDD/Compliance leadership
• Any UG/PG preferably Finance/Management degree