Analyst (Non-Voice)

Finance, Banking & Legal · Banking & Investments · Financial Analysis

In short

Vous travaillerez en tant qu'Analyste (Non-Voix) à Lucknow, en Inde, en soutenant le traitement des demandes de prêt pour les petites entreprises et l'agriculture (SB&A). Vos responsabilités comprendront le triage des candidatures, la vérification CCR et KYC, la gestion des flux de travail et la validation des documents, en garantissant le respect des SLA et des exigences réglementaires. Ce poste requiert une expérience pertinente dans les opérations bancaires, le traitement des prêts, le KYC ou les services financiers, ainsi qu'une formation pertinente et de solides compétences en communication et en Excel.

Responsibilities

Review and triage SB&A lending applications originating through Branch, Direct, GWS, SBASP and digital channels.
Assess customer eligibility using business rules, SME exposure calculations, credit grades, repayment capacity results and lending thresholds.
Categorize and route applications to appropriate lending queues based on entity type, product type, sector and eligibility outcomes.
Perform Central Credit Register (CCR) checks and process credit enquiries through CRIF.
Complete Know Your Customer (KYC) reviews and anti-money laundering checks using Equiniti/KYCNe.
Validate supporting documentation including financial statements, business plans, SBCI documentation, grant approvals and customer identification documents.
Manage SB&A shared mailboxes and respond to lending, DocuSign, CCR, lender and customer queries within SLA.
Process DocuSign requests, positive affirmations, facility letter reissues and customer authentication requests.
Update lending systems including nCino, Toscana, CRIF and related workflow applications.
Investigate and resolve CCR errors, KYC exceptions, application discrepancies and workflow failures.
Maintain accurate case notes, audit trails, workflow records and customer contact logs.
Meet productivity, quality and compliance standards while supporting continuous process improvements.

Requirements

Relevant banking operations, loan processing, KYC, customer service or financial services experience.
Knowledge in lending operations, underwriting support, business banking operations or KYC/AML processes.
Numerical accuracy, document/system reconciliation, clear business writing and practical Excel skills.
Experience in business banking operations, lending support, credit administration, CCR/KYC processing or SME lending.
Graduate in Commerce, Business Administration, Finance, Banking or related discipline.
Work within approved permissions and protect customer information.
Excellent written and verbal English with professional customer-service etiquette.
Ability to communicate professionally with customers, lenders, business advisors and internal stakeholders.
Strong email drafting and mailbox management skills.
Ability to explain lending requirements and documentation requests clearly.
Effective stakeholder management and customer service orientation.

Desired Qualifications

Associate: routine cases with guidance; Analyst: independently trained processing; Senior Analyst: complex cases and authorised peer-review/KT support.

Benefits

At HCLTech, you'll supercharge your potential. You'll find your career. And you'll find your spark.
All at a place that knows that helping its customers stay on top starts by putting its people first.

Skills

ExcelCustomer ServiceLoan ProcessingKYCAML

#Small Business & Agriculture lending#application triage#CCR#KYC verification#mailbox management#lending workflow administration#document validation#customer onboarding support#application routing#regulatory requirements#operational controls#quality standards#loan processing#underwriting support#business banking operations#credit administration#SME lending#English

About HCLTech

Supercharging progress through technology and innovation

HCLTech is a global technology company, home to 219,000+ people across 54 countries, delivering industry-leading capabilities centered around digital, engineering and cloud, powered by a broad portfolio of technology services and products. We work with clients across all major verticals, providing industry solutions for Financial Services, Manufacturing, Life Sciences and Healthcare, Technology and Services, Telecom and Media, Retail and CPG, and Public Services. Consolidated revenues as of 12 months ending September 2022 totaled $12.1 billion. To learn how we can supercharge progress for…

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