Retail Consultant operation

Retail Consultant Operations

Core Responsibilities

• Design, review, and optimize operational workflows for co-lending and retail partnerships.
• Manage end-to-end credit workflows and ensure seamless partner onboarding, including User Acceptance Testing (UAT) of credit filters.
• Coordinate with legal teams and partners to draft, finalize, and execute loan documentation (e.g., sanction letters, agreements) and escrow arrangements.
• Liaise with internal departments such as Business, Product, Credit, IT, Analytics, and Finance to align operations and resolve exceptions.
• Collaborate with third-party vendors and originators for flawless co-lending execution, manage disbursal schedules, and meet Turnaround Times (TATs).
• Conduct operational assessments, Critical to Quality (CTQ)/Critical to Process (CTP) monitoring, internal audits, risk tracking, and drive continuous improvement initiatives.
• Support business continuity planning and assist in policy/Standard Operating Procedure (SOP) refinement.
• Prepare operations and management reports, ensuring high accuracy in documentation and archival.

Desired Qualifications & Experience

• Strong process orientation with a keen eye for detail.
• Solid understanding of financial products, including retail loans, supply chain finance, and co-lending models.
• Familiarity with P&L (Profit & Loss), ratio analysis, balance sheet interpretation, and revolving credit lines.
• Comfortable liaising with legal and technology teams, and adept at managing multi-stakeholder coordination.
• Proficiency in MS Office Suite, loan management systems (LMS), and general system UAT.

• Must Have:

  Experience in NBFCs, banks, fintechs, or microfinance, specifically in retail lending, trade finance, supply chain financing, co-lending, or loan operations.

Soft Skills & Culture Fit

• Excellent stakeholder communication skills, coupled with high emotional intelligence.
• Strong analytical, organizational, and planning capabilities.
• Commercial awareness with the ability to connect operations to P&L and risk frameworks.
• Collaborative mindset, aligning with Kiya.ai's agile, founder-led, fast-paced culture.