Manager - Lending Operations

About The Role:

You’ll own and streamline all transaction-related activities – disbursements, repayments, reconciliations, and exception handling – across lenders, platforms, and customers. This role sits at the intersection of fintech operations, compliance, product, and partner success.

Key Responsibilities

Disbursement Management

• Ensure timely and accurate processing of loan disbursements via APIs, bank integrations, and partner systems
• Coordinate with finance and product teams to automate and validate fund flows

Repayment Operations

• Monitor scheduled repayments, ECS/NACH/UPI mandates, and auto-debits
• Track missed repayments and trigger retry/recovery workflows

Reconciliation & Ledger Hygiene

• Own daily reconciliation of collections, disbursements, and charges (incl. interest, fees, penalties)
• Work with Finance and Engineering to identify and resolve mismatches

Exception Handling

• Resolve failed transactions, delayed settlements, and incorrect customer credits/debits
• Escalate to banking partners or internal teams as needed and drive resolution SLAs

Reporting & MIS

• Maintain real-time dashboards and periodic reports for internal stakeholders, lenders, and regulators
• Share actionable insights on transaction patterns, risks, and process improvements

Process Improvement & Automation

• Identify opportunities to automate manual transaction processes
• Collaborate with product and tech teams to implement ops-friendly tools and workflows

Stakeholder Collaboration

• Interface with lenders, NBFCs, payment gateways, collections partners, and internal CX/product teams
• Ensure end-to-end SLA adherence and customer experience consistency

Ideal Candidate:

● 5–7 years in fintech/banking/NBFCs/payments ops or transaction ops roles

● Strong grasp of financial flows (disbursement → reconciliation → recovery)

● Hands-on experience with Excel/Google Sheets, reconciliation tools, dashboards (e.g., Zoho, Power BI)

● Familiarity with UPI, NACH, ECS, virtual accounts, and payment gateways

● Eye for detail + obsession with data accuracy

● Ability to thrive in high-paced, ambiguous, fast-scaling environments

● Bonus: Experience in lending workflows, bank integrations, or API-based transactions

Job Types: Full-time, Permanent

Pay: ₹1,200,000.00 - ₹1,500,000.00 per year

Education:

• Bachelor's (Preferred)

Experience:

• Lending operations: 5 years (Preferred)
• Financial flows: 5 years (Preferred)
• NBFC or Fintech: 5 years (Preferred)

Location:

• Mumbai, Maharashtra (Preferred)

Work Location: In person