Key ResponsibilitiesLoan Disbursement ManagementProcess loan disbursement cases as per approved sanction terms and conditions.Verify completeness of loan documentation before disbursement.Ensure compliance with sanction conditions, deviations, and approval matrix.Execute single and tranche disbursements for under-construction and ready properties.Review customer contribution and margin money compliance prior to disbursement.Documentation & ComplianceVerify KYC, income, legal, technical, and property-related documents.Ensure execution of loan agreements, demand promissory notes, ECS/NACH mandates, and other statutory documents.Validate all pre-disbursement conditions (PDCs) stipulated by Credit and Risk teams.Ensure adherence to NHB, RBI, Audit, and internal compliance guidelines.System OperationsProcess loan booking and disbursement in LOS/LMS/Core Lending Systems.Maintain accurate customer and loan records.Upload and verify documentation in digital repositories.Coordinate with Sales, Credit, Legal, Technical, and Finance teams for seamless processing.Risk & Quality ControlConduct maker-checker validations as per process guidelines.Identify discrepancies and escalate exceptions before disbursement.Ensure fraud prevention controls and compliance checks are completed.Support internal and external audits by providing required records and reports.Vendor & Stakeholder CoordinationCoordinate with builders, channel partners, customers, legal agencies, and technical vendors for disbursement readiness.Resolve disbursement-related queries and exceptions within defined TATs.Monitor pending disbursement cases and follow up for document deficiencies.MIS & ReportingPrepare daily, weekly, and monthly disbursement MIS reports.Track disbursement pipeline and productivity metrics.Support management reviews with process and performance reports.Key Performance Indicators (KPIs)Disbursement TAT adherence.Disbursement accuracy (% error-free transactions).Audit and compliance scores.Portfolio quality from documentation perspective.Exception handling and closure timelines.Customer and stakeholder satisfaction.Eligibility CriteriaEducationGraduate in Commerce, Finance, Business Administration, Banking, or related discipline.MBA/PGDM preferred.ExperienceHaving experience in Loan Operations, Credit Operations, or Disbursement functions within HFC, NBFC, or Banking sectors.Experience in Home Loans, LAP, Mortgage Loans, or Retail Assets preferred.Required SkillsTechnical SkillsKnowledge of Home Loan and Mortgage Disbursement processes.Understanding of legal, technical, and credit documentation.Familiarity with LOS, LMS, and banking systems.Strong knowledge of compliance and operational controls.Behavioural SkillsAttention to detail.Analytical and problem-solving skills.Stakeholder management.Process orientation.Communication and coordination skills.Ability to work under strict TAT-driven environments.Preferred ExperienceExperience in centralized disbursement operations.Exposure to digital disbursement journeys and workflow automation.Knowledge of NHB and RBI operational guidelines applicable to Housing Finance Companies.Experience handling high-volume retail loan disbursements.