Operation Manager - Commercial Vehicle & Used Car Loans

Job Title: Operations Manager – (Commercial & Used Car Loans) - Head Office Operations

Location: Mumbai (Chembur)

Department: Commercial & Used Car Loans – HO Operations

Reporting To: Head of Operations

About Us:

We are a fast-growing NBFC startup, focused on building a differentiated lending platform in the Commercial Vehicle and Used Car financing space. With a strong emphasis on customer-centricity, technology, and process innovation, we are setting up a scalable lending business that balances growth with compliance and risk management.

As a startup, we offer the unique opportunity to be part of the founding operations team at our Head Office. The role involves not just running day-to-day operations but also building and shaping the processes, systems, and teams that will form the backbone of our future growth.

Role Overview:

builder’s mindset

Key Responsibilities:

Loan Processing & Operations Management

• Manage all loan applications from login to disbursement, ensuring accuracy, efficiency, and compliance.
• Build and refine operational workflows to balance speed with risk control.
• Drive TAT adherence and reduce rejection/hold ratios.

Process Excellence & Compliance

• Create and standardize CPU processes, SOPs, and checklists.
• Introduce automation, digitization, and process simplification initiatives.
• Ensure 100% adherence to compliance, KYC norms, RBI regulations, and internal audits.

Team & Stakeholder Management

• Lead, train, and mentor the Operations team.
• Act as the HQ liaison with Sales, Credit, Risk, Finance, and Legal teams across regions.
• Handle escalations from branches/regions and provide HQ-level solutions.

HQ-Level Strategic Operations

• Translate business strategy into Organization level deliverables.
• Support new product rollouts, policy changes, and technology enhancements.
• Participate in HQ governance reviews and audits.

Reporting & MIS

• Prepare daily/weekly/monthly dashboards for senior management.
• Track portfolio operational metrics, highlighting risks and trends.
• Enable data-driven decisions for process and policy refinements.

Startup-Specific Challenges & Opportunities:

Challenges:

• Operating in a lean team setup where multitasking and ownership are key.
• Building processes from scratch with limited legacy structures to fall back on.
• Managing dynamic and high-growth volumes while ensuring accuracy and compliance.
• Driving alignment across teams in a fast-changing, entrepreneurial environment.

Opportunities:

• Build the backbone of a new-age NBFC’s central operations.
• High visibility with senior management and direct impact on business outcomes.
• Exposure to cross-functional roles (policy, product, tech, risk).
• Accelerated career growth in line with company’s scale-up journey.
• Opportunity to shape processes and systems that will become industry benchmarks.

Key Skills & Competencies:

Functional Skills

• Strong domain expertise in Commercial Vehicle & Used Car loan processes.
• Proficiency with LOS/LMS platforms and automation tools.
• Deep understanding of NBFC compliance and operational risk management.

HQ-Specific Skills

• Ability to manage multi-location operations with centralized oversight.
• Data-driven approach with advanced MIS and reporting skills.
• Strong policy implementation and escalation management.
• Comfort with ambiguity, agility, and fast-paced decision-making.

Behavioral Competencies

• Builder’s mindset with a hands-on approach.
• Leadership and people management skills.
• Strong communication, problem-solving, and cross-functional collaboration.
• Ownership, accountability, and ability to thrive in a startup ecosystem.

Qualifications & Experience:

• Graduate/Postgraduate in Finance, Commerce, Business Administration, or related field.
• 6–10 years of experience in NBFC/Banks in Retail Assets operations, preferably in Commercial Vehicles / Used Car loans.
• Prior experience in

  CPU or HO Operations

  ; startup/early-stage exposure will be an added advantage.

Tips: Provide a summary of the role, what success in the position looks like, and how this role fits into the organization overall.

Responsibilities

[Be specific when describing each of the responsibilities. Use gender-neutral, inclusive language.]

Example: Determine and develop user requirements for systems in production, to ensure maximum usability

Qualifications

[Some qualifications you may want to include are Skills, Education, Experience, or Certifications.]

Example: Excellent verbal and written communication skills