Role Overview
Own the end-to-end SCF loan lifecycle—from login & eligibility (CIC/KYC) through CAM-lite preparation, documentation, disbursal, servicing (invoices/limits, NACH/cheques), MIS, credit bureau furnishing, and regulatory reporting. Partner closely with Business, Credit, Legal, Treasury, Tech, and external vendors to deliver accurate, compliant, and timely outcomes.
Key Responsibilities
- Intake, Eligibility & Documentation Readiness
- Login & completeness: Receive application packs from Sales/Originations; validate against a login checklist (KYC, financials, bank statements, GST, anchor/vendor docs, board resolutions/undertakings, collateral/comforts as applicable).
- Eligibility screening: Pull and review credit bureau (CIBIL/CRIF/Experian/Equifax) for borrowers/guarantors; run KYC/AML/PEP/sanctions checks (incl. CKYC where applicable); flag deviations/negative matches.
- CAM-lite: Prepare a concise preliminary CAM (business overview, banking summary, bureau highlights, checklist status, deviations) and forward to the Credit team for underwriting; track clarifications to closure.
- Documentation & Execution
- Draft/issue Sanction Letters, Facility Agreements, ancillary undertakings; ensure correct state stamp duty/e stamp and templates.
- Coordinate e-sign execution (Legality/Aadhaar or platform of choice) and e-NACH mandate setup; ensure readiness of bank/NPCI files.
- Create master data in LMS (limits, pricing, tenors, schedules, anchor/vendor linkages).
- Disbursals & Settlements
- Validate disbursal documentation; check invoice eligibility against approved limits, pricing, tenor, anchor/vendor criteria.
- Execute disbursals within TAT; reconcile bank postings; ensure correct vendor/dealer payouts and anchor settlements.
- Maintain accurate digital archiving and indexing in the Document Management System (DMS).
- Servicing, Collections & Cash Application
- Post-disbursal servicing: process incoming invoices; monitor limit utilisation, due dates, and exceptions.
- Manage NACH life-cycle (first presentations, re-presentations, returns, success files); reconcile with LMS and bank statements.
- Cheque/CTS handling (where applicable): schedule cheque presentations for principal/interest, track returns, and coordinate re-presentations/alternate arrangements.
- Reporting (MIS, Bureau, Regulatory)
- Produce MIS and dashboards: disbursals, utilisation, bucket/DPD ageing, overdue, anchor exposure, exceptions.
- Credit Bureau (CIC) furnishing: timely monthly reporting/updates (status codes, closures), dispute handling, accuracy controls.
- Support regulatory reporting with Compliance (e.g., applicable NBFC/RBI returns), CKYCR, and CERSAI filings where security is involved; maintain audit-ready trails.
- Risk, Controls & Stakeholder Management
- Enforce ops checklists/SOPs; manage exceptions & deviations with documented approvals; drive SLA/TAT adherence.
- Support internal/external audits; close observations and strengthen controls.
- Coordinate with Business (anchor/vendor onboarding), Credit (terms/conditions), Legal (documentation) and Tech/LMS (workflow fixes); guide anchors/vendors on documentation and repayments.
Must-Have Skills & Experience
- 5–7 years in Supply Chain Finance loan operations at an NBFC/Bank/Fintech, covering both pre- and post-disbursal.
- Hands-on with bureau pulls & interpretation, KYC/AML/PEP screening, e-sign/e-stamp, e-NACH setup and file operations, LMS transactions, and DMS archiving.
- Strong Excel (Pivots, Lookups), reconciliation discipline, comfort with bank/NPCI file formats.
- Familiar with GST portal / e-invoice (IRN) verification and anchor/vendor program nuances.
- Excellent data entry accuracy and data interpretation skills.
Soft Skills
- Detail-oriented with high accuracy.
- Strong follow-through and sense of ownership.
- Ability to multitask and work under tight timelines.
- Effective communication and cross-functional collaboration skills.
Why join us?
- Build the loan-ops backbone of a purpose-driven NBFC—design checklists, STP workflows, and controls that keep us audit-ready and scalable.
- Operate at the intersection of Credit, Legal, Tech & Compliance—from e-sign/estamp and e-NACH to bureau furnishing and RBI-facing reporting.
- Thrive in a governance-first culture focused on durable growth: clean reconciliations, zero critical audit findings, and data-driven MIS.
