Operations Manager

JD – Sr. Manager - Operation:

Kindly share your resume on : renu.koli@fatakpay.com

1. Loan Operations & Portfolio Management

• Lead end-to-end loan operations for personal and digital loan products — from file processing, disbursement, and servicing to loan closure.
• Oversee loan onboarding, KYC validation, and disbursement authorization workflows in coordination with technology and credit teams.
• Manage operational SLAs across co-lenders, platforms, and collection partners.
• Ensure accuracy and timeliness in loan posting, accounting entries, and reconciliation across systems.

2. Co-Lending Operations

• Drive daily operations under co-lending and partnership models (80:20, 90:10, etc.).
• Ensure seamless fund flow management between FFPL, partner NBFCs/Banks, and escrow accounts.
• Monitor disbursement triggers, partner share settlement, and reconciliation of principal, interest, and fee components.
• Validate data sharing and MIS as per co-lender and regulatory formats.
• Manage co-lender audits, operational reviews, and compliance reporting.

3. Digital & Process Automation

• Work closely with Product and Tech teams to automate loan origination, disbursement, repayment, and NACH management modules.
• Oversee integration with payment gateways, loan management systems (LMS), and banking APIs.
• Identify process bottlenecks and drive tech-enabled solutions to enhance speed, accuracy, and scalability.

4. Disbursement, Repayment & Reconciliation

• Supervise disbursement processing, UTR tracking, and fund accounting.
• Ensure timely presentation of NACH mandates, eNACH setup, and repayment settlements.
• Handle refund cases, chargebacks, and failed transaction reversals.
• Maintain daily, weekly, and monthly reconciliation across lending and collection accounts.

5. Compliance & Audit

• Ensure adherence to RBI’s digital lending and co-lending operational guidelines.
• Maintain proper documentation and audit trails for all operational transactions.
• Coordinate with internal audit and compliance teams for periodic reviews and process improvement.
• Maintain data security and borrower information confidentiality per regulatory standards.

6. Team & Stakeholder Leadership

• Lead and mentor the operations team to build high ownership and functional expertise.
• Collaborate with Credit, Risk, Finance, Legal, and Tech teams to ensure alignment in business objectives.
• Represent Operations in partner and co-lender review meetings.
• Develop MIS dashboards and operational KPIs for management reporting.

Key Skills & Competencies

• Deep understanding of

  personal loan

  and

  digital lending

  operations.
• Proven experience in

  co-lending

  processes, escrow fund management, and reconciliation.
• Strong command of

  NACH/eNACH

  ,

  LMS

  ,

  CBS

  , and

  banking integrations

  .
• Working knowledge of

  RBI digital lending guidelines

  and

  co-lending frameworks

  .
• Strong analytical, data interpretation, and Excel/MIS reporting skills.
• Excellent communication, leadership, and problem-solving abilities.

Kindly share your resume on : renu.koli@fatakpay.com