Associate Manager – Lender Operation

Role Overview

The Associate Manager – Lender Operations will oversee and manage end-to-end lender coordination, loan disbursement processes, settlements, and reconciliation activities within a fast- paced fintech environment. This role requires strong analytical skills, stakeholder management, and

process optimization to ensure seamless operations between the company and its lending partners.

https://smartcoin.keka.com/careers/jobdetails/96150

Key Responsibilities

Loan Disbursement & Settlement Management

Manage end-to-end loan disbursement processes, ensuring timely execution and resolution

of exceptions in coordination with lending partners.

Oversee Principal Outstanding (POS) reconciliations and platform settlements to maintain

accurate financial records.

Generate lender reports, settlement files, and MIS to support transparency and compliance.

Reconciliation & Data Analysis

Perform daily, weekly, and monthly reconciliations between internal loan management systems and lender MIS, including loan disbursement and collection data.

Manage lender collection reports and ensure accuracy through detailed reconciliation processes.

Resolve discrepancies such as UTR mismatches, missing transactions, and amount variances by conducting root cause analysis.

Collaborate with Tech and Product teams to implement fixes and preventive solutions for

recurring operational issues.

Stakeholder & Vendor Management

• Act as the primary point of contact for lender operations, managing escalations and
• facilitating cross-functional collaboration with Tech, Product, Collections, and Finance teams.
• Conduct regular reviews and communication with lenders to align on operational
• performance and compliance.

Process Improvement & Automation

• Identify operational inefficiencies and lead initiatives to improve turnaround time, accuracy,
• and compliance within lender workflows.
• Partner with Product and Tech teams to automate reporting and routine operational tasks,
• reducing manual effort and errors.

Compliance & Audit Support

• Maintain and update SOPs to ensure adherence to RBI regulations, lender agreements, and
• internal policies.
• Support internal and external audits by providing reconciliations, documentation, and operational data as required.

Required Skills & Competencies

• Strong understanding of loan management systems, lender integrations, and fintech lending workflows.
• Proficiency in Excel, SQL/MySQL, and data analysis for reconciliation and reporting.
• Good knowledge of finance operations, settlements, and regulatory compliance.
• Excellent stakeholder management and communication skills.
• Analytical mindset with problem-solving abilities.
• Ability to thrive in a fast-paced, deadline-driven environment.

Education & Experience

• Bachelor’s degree in Commerce, Finance, Business Administration, or related field.
• 5–8 years of experience in lender operations, loan settlements, or financial operations, preferably in fintech/NBFC/banking.
• Experience in automating reports and workflows is a plus.