AM/Manager- Operations (LAP Process)

Role Summary

LAP operations

Key Responsibilities

• Process Ownership:

  Define, document, and continuously improve SOPs across login, QC, underwriting ops support, sanction, disbursal, OTC/PDD, and document management.

• Control & Compliance:

  Ensure adherence to RBI/AML/PML norms, CKYC, DLG (digital lending) guidelines, Fair Practices Code, data privacy, and outsourcing/vendor guidelines.

• Disbursal Factory:

  Standardize disbursal readiness (legal/technical/FI/RCU, sanction conditions), maker-checker controls, deductions, tranche disbursals, and funding confirmations.

• Documentation & Mortgage:

  Oversee state-wise documentation, stamping/franking, MODT/Registered Mortgage, safe custody, retrieval (incl. BT/BT+Top-up), and NOC release.

• OTC/PDD Governance:

  Drive sanction condition closure (OTC) and PDD monitoring with strict ageing controls and dashboards.

• Vendor & Partner Management:

  Empanel and govern legal, technical, FI/RCU, CPV, and courier/storage partners with SLAs, pricing, and audit trails.

• Tech & Automation:

  Work with LOS/LMS/Workflow teams to enable CKYC, e-sign, e-NACH, AA, rule engines, QC gates, and audit trails.

• Risk & Audit Readiness:

  Close internal/external audit points, manage operational risk events, and implement CAPA.

• People & Capacity:

  Build and manage a high-performing ops team; plan capacity for peaks (month/quarter ends).

• MIS & Governance:

  Publish daily/weekly dashboards (TATs, quality, cost/file, exception buckets) and run cadence reviews.

Must-Have Qualifications

• Experience:

  5–7 years in

  secured-lending operations

  , with

  3+ years specifically in LAP

  ; prior scale handling (multi-state, multi-channel).

• Systems:

  Strong hands-on with LOS/LMS (e.g., FinnOne/Intellect/Newgen/Custom), CKYC, e-Sign, e-NACH/ACH, Account Aggregator, document management.

• Regulatory Acumen:

  Practical knowledge of RBI guidelines for KYC/AML, digital lending, outsourcing, fair practices, and info-security.

• Process & Controls:

  Proven record of setting up maker-checker, QC, exception handling, and vendor governance.

Good-to-Have

• Exposure to

  DA/Co-lending

  ops, escrow/settlement flows, payout automation; lean/Six-Sigma mindset; SQL/Excel automation.