Assistant Manager – Loan Operations - Supply Chain Finance - 5-7 Yrs

Role Overview

You will manage the complete Supply Chain Finance loan operations cycle—from login and eligibility checks to documentation, disbursal, servicing, collections, MIS, bureau reporting, and regulatory compliance. The role requires strong coordination with Business, Credit, Legal, Treasury, Technology, and external vendors to ensure accurate, timely, and compliant execution.

Key Responsibilities

1. Application Intake & Eligibility Checks

• Verify login files for KYC, financials, GST, bank statements, and program documents.

• Conduct bureau checks and run KYC/AML/PEP/sanctions validations.

• Prepare a brief CAM-lite summary for the Credit team and close clarifications.

2. Documentation & Setup

• Prepare sanction letters, agreements, and undertakings with correct stamp duty/e-stamp.

• Manage e-sign workflows, e-NACH registration, and related NPCI/bank file operations.

• Create and update customer/limit data in the LMS.

3. Disbursals & Payouts

• Validate disbursal documentation and invoice eligibility as per program rules.

• Process disbursals, reconcile postings, and ensure accurate vendor/anchor payments.

• Maintain systematic digital archiving in the DMS.

4. Servicing, Collections & Cash Application

• Monitor utilisation, invoice processing, and due dates post disbursal.

• Handle NACH lifecycle—presentations, returns, reconciliations.

• Manage cheque processing, returns, and follow-up actions where applicable.

5. Reporting & Compliance

• Generate MIS on disbursals, utilisation, ageing, exceptions, and delinquencies.

• Manage monthly bureau reporting and resolve disputes.

• Support regulatory filings (RBI/NBFC), CKYCR, CERSAI (if applicable), and audit readiness.

6. Controls & Cross-Functional Coordination

• Ensure SOP adherence, manage exceptions with approvals, and maintain TAT/SLA discipline.

• Support internal/external audits and close control gaps.

• Coordinate with Business, Credit, Legal, and Tech on program implementation and issue resolution.

Must-Have Skills & Experience

• 5–7 years in SCF loan operations (pre & post disbursal).

• Strong experience in bureau pulls, KYC/AML/PEP checks, e-sign/e-stamp, e-NACH, LMS & DMS.

• Excellent Excel (Pivots, Lookups), reconciliation skills, and understanding of NPCI/bank file formats.

• Familiarity with GST portal, e-invoice/IRN verification, and anchor/vendor program structures.

• High accuracy in data entry and strong analytical interpretation.