Retail Consultant operation

Position :

Location :

Role Overview

You will serve as a bridge between risk, credit, product, legal, IT, analytics, finance,

and vendor teamsensuring smooth delivery of retail credit or co-lending products.

Your work will be pivotal to processing, servicing, accounting, reporting,

and customertransactions while maintaining robust operational controls and stakeholder coordination.

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 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 departmentsBusiness, Product, Credit, IT, Analytics, and Financeto align operations and resolve exceptions.

Collaborate with third-party vendors and originators for flawless co-lending execution, manage disbursal schedules, and meet TATs.

Conduct operational assessment, CTQ/CTP monitoring, internal audits, risk tracking, and continuous improvement.

Support business continuity planning and policy/SOP refinement.

Prepare operations/management reports and maintain high accuracy in documentation and archival.

Desired Qualifications & Experience

36 years (Consultant level) of experience in consulting, fintech, NBFCs, banks—especially in retail/co-lending/backoffice roles.

Strong process orientation with a keen eye for detail.

Solid understanding of financial products: retail loans, supply chain finance, co-lending models.

Familiarity with P&L, ratio analysis, balance sheet interpretation, revolving credit lines.

Comfortable liaising with legal and tech teams, and managing multi-stakeholder coordination.

Proficiency in MS Office, loan management systems (LMS), and general system UAT.

Soft Skills & Culture Fit

Excellent stakeholder communication, with high emotional intelligence.

Strong analytical, organizational, and planning capabilities.

Commercial awareness with ability to connect operations to P&L and risk frameworks.

Collaborative mindset aligned with Vivriti’s agile, founder-led, fast-paced culture.

Must Have :

Experience in NBFCs, banks, fintechs, or microfinance—specifically in retail lending, trade finance, supply chain financing, colending, or loan ops.

Kindly share your profile to my official id [ kanimozhi.p@kiya.ai ] with the subject name "Consultant Retail operation_0 to 1 years"