Organization: At Comm-Bank, we never lose sight of the role we play in other people’s financial wellbeing. Our focus is to help people and businesses move forward to progress. To make the right financial decisions and achieve their dreams, targets, and aspirations. Regardless of where you work within our organisation, your initiative, talent, ideas, and energy all contribute to the impact that we can make with our work. Together we can achieve great things.

Job Title: Operations Team Member

Location: Bangalore

Business & Team: CBA India is responsible for servicing multiple brands and business units across the Group; delivering a highly flexible operations, technology and data management functions, outstanding customer experiences and better risk outcomes. This is achieved through process management and a cross-skilled, capable workforce.

We pride ourselves on demonstrating a strong service culture, making a difference to our customers’ lives and living and breathing the CBA Group’s values.

Retail Operations is responsible for the decisioning, fulfilment, and settlement and servicing of retail lending products across CBA and forms part of the broader Retail Operations team.

The Retail Operations function delivers effective outcomes by being dedicated to operating and enhancing processes, ensuring we deliver a highly flexible operations environment, outstanding customer experience and better risk outcomes.
The CBAI (CBA India) Unsecured Verification team performs the underwriting for customers who have applied for an unsecured product by applying lending/ credit policy, income verification guidelines and a high level of judgement in assessing an applicant’s credit worthiness along with funding of loans.

Consumer Finance Operation is an integral part of Retail Operation Business who assist the retail bank customers in underwriting for customers who have applied for an unsecured product. To support our focus on improving customer experience, team members will need to support our customer in a 24/7 environment.

Impact & contribution: You are an operations professional who makes things happen for our customers. Your value lies in doing things right to ensure we deliver a great customer experience.

Your contribution would include:

• Helping customers achieve their dreams.
• Being a highly motivated member of the team with self-starter skills and can take accountability when working alone.
• Exceptional time management skills and Exceptional customer service skills (Internal and External to CBA).

Reporting lines: This role will report to the Operations Team Manager – Retail Operations, CBA India.

Roles & Responsibilities: Adhere to the Code of Conduct. The Code of Conduct sets the standards of behavior, actions and decisions we expect from our people.

Your key priorities and responsibilities include:

• Credit Assessment or Underwriting is the detailed credit analysis preceding the grant of a loan. The credit analysis includes verifying and assessing an applicant’s current financial position, employment history, credit history, credit needs, ability to pay and the asset being offered as security.
• Reviews credit exposures against the limit framework and provides analysis.

• Applies knowledge of retail lending. Understands strategies and policies for the management of credit risk across the credit lifecycle.
• Meet or exceed quality assurance standards.
• Adhere to Group Credit Policy and Code of Banking Practice with the objective of maximising revenue and minimising risk.
• Research customer requests by gathering all relevant information/data, ensuring all available avenues and sources of information are investigated.
• Ensure all research and investigation is accurately recorded including supporting evidence and documentation.
• Helps leaders implement any process updates.
• Exercise thorough credit worthiness assessment and sound decision-making.
• Contribute to Improvement ideas which would help in change management and delivery of desired strategic outcome.
• Work productively as part of a team or independently to meet deadlines.

Essential Skills:

• Highly energetic and dynamic professional who is always striving to do better for our customers.
• Minimum 1-3 years’ experience in Financial Verification, Pre assessment, assessment, or underwriting experience / Funding of loans.
• Candidate needs to be comfortable to work on Weekends along with public holidays and flexible to support the business on need basis, to service our customers and achieve NPS+30 Goals
• Understanding of the end-to-end process flow for unsecured products.
• Proven ability to effectively plan and coordinate incoming work and enquiries.
• Excellent communication skill Written and Oral.
• Strong in exercising sound judgement backed by analytical and problem-solving skill.
• Carrying impressive interpersonal skills to communicate effectively with our Australian onshore team.
• Demonstrate curious mindset and ability to investigate.

Qualifications:

• Bachelor's degree in a relevant field such as Finance, Accounting, or Business.

Advertising End Date: 27/07/2026