Head – Operations NBFC

Key Responsibilities:

1. Strategic Operations Management

• Develop and implement operational strategies aligned with the company’s business goals.
• Oversee end-to-end operations across loan origination, credit underwriting, treasury, disbursement, servicing, and collections.
• Drive continuous improvement in operational processes through automation, digitization, and best practices.
• Focus on Governance, define and implement policies and controls

2. Provide Operational Oversight and Support the FSG Loan Desk

• Ensure timely and accurate loan processing in compliance with internal policies and regulatory requirements.
• Streamline KYC, documentation, and disbursement processes.
• Collaborate with product, risk, compliance and legal teams to standardize and
• optimize loan policies and streamline workflows.

3. Monitor and Track Covenants, Disbursements and Collections

• Define and implement robust monitoring strategies for different loan portfolios
• Monitor delinquency trends, NPAs, and recovery actions; coordinate with internal and external partners as needed.

4. Manage and Oversee Treasury Operations

• Lead and manage the company’s borrowing program
• Manage day to day transactions disbursal, borrowals etc
• Implement systems, establish and monitor processes and controls
• ALM Reporting and MIS5. Regulatory Compliance & Risk Management
• Ensure full compliance with RBI and other regulatory authorities’ guidelines.
• Liaise with compliance, legal, and audit teams to ensure timely regulatory and other reporting, inspections, and audits.
• Maintain documentation and processes to minimize operational and reputational
• risk.
• Formulate appropriate MIS and reporting

6. Technology

• Identify and evaluate systems for automating workflows and the loan book.
• Work closely with vendors and internal teams to implement systems and automate processes for the loan desk.
• Introduce automation tools (LOS, LMS, LAS) to improve turnaround time and reduce
• manual errors.
• Ensure data security, system reliability, and integration of third-party APIs wherever
• necessary

7. Digital Lending

• Work closely with the digital lending group to ensure seamlessness in operations at a company level
• Set up appropriate customer grievance handling processes and ensure timeliness in
• handling grievances, escalation and reporting at an entity level

8. Team Leadership & Stakeholder Management

• Lead a diverse team across various operations functions eg FSG operations, treasury
• operations etc
• Foster a high-performance culture through training, mentoring, and performance
• management.
• Coordinate with senior management, auditors, and external partners
• Establish industry connections and maintain relationships with external stakeholders.

Qualifications, Experience and skills:

• Post graduate degree in Finance or Management (MBA)
• Experience of 12-15 years in handling NBFC operations, some of which should have
• been in a proven senior leadership role.
• Deep understanding of NBFC business, regulatory environment, and operational nuances.
• Proficiency in advanced excel
• Strong leadership, communication, interpersonal and analytical skills.
• Ability to multitask and adopt a problem-solving approach

Preferred Skills:

• Hands-on experience with loan origination (LOS), loan management (LMS), and
• treasury platforms.
• Knowledge of RBI guidelines, Fair Practices Code, and regulatory reporting
• Ability to manage mid-size/large teams and multiple locations, including outsourced
• operations.