Senior Operations

Role & responsibilities

1. Loan Operations & Disbursement Management: Manage the complete loan lifecycle from onboarding, sanction, and disbursement to renewal and closure. Ensure timely and accurate disbursements, adherence to policies, and compliance with company and regulatory standards.

2. System & Technical Management: Handle system-related operational issues and coordinate with the IT and vendor teams for enhancements, integrations, and troubleshooting. Ensure data accuracy and timely resolution of workflow and API issues.

3. Compliance & Regulatory Reporting: Oversee compliance requirements including CIBIL and CIC (all four bureau) reporting, CERSAI uploads, NACH memo generation, insurance reporting, and other regulatory uploads. Ensure all processes align with RBI and NBFC operational guidelines.

4. Process Governance & Risk Control: Develop, implement, and monitor Standard Operating Procedures (SOPs). Drive automation and digitization of manual processes to improve efficiency and reduce errors.

5. Partner & Channel Coordination: Coordinate with sourcing and partner channels for data exchange, reconciliations, and process alignment. Track vendor SLAs and ensure process compliance.

6. MIS, Reporting & Reconciliation: Maintain and prepare MIS on disbursements, repayments, NPAs, and collection performance. Perform reconciliations between loan ledgers, disbursement accounts, and finance books, and publish monthly dashboards.

7. Collections & Customer Service Support: Track EMI collections, handle customer service requests, and support the collections team with data and reports. Analyze overdue trends and support process improvement.

8. Cross-Functional Collaboration: Work closely with Credit, Risk, Sales, IT, and Legal teams to ensure seamless operations and support new product rollouts. Participate in process improvement and policy discussions.

9. Team Leadership & Development: Lead and mentor the operations team, ensuring adherence to processes and service excellence. Conduct training sessions on systems, compliance, and operational updates.

10. Banking, Branch Operations & Audit Management: Oversee banking activities including disbursement account management, NACH processing, and reconciliation of funds. Manage branch operations to ensure adherence to operational processes, documentation standards, and customer servicing quality. Handle audit-related activities including coordination for internal, external, and concurrent audits, preparation of audit data, timely response to audit observations, and implementation of corrective actions in line with NBFC compliance norms. Ensure all operational controls and documentation are audit-ready and in compliance with RBI and company policies.

Preferred candidate profile

• Strong NBFC/Banking/Fintech operations background
• Hands-on experience in disbursement, KYC, collections support, and reconciliation • Good knowledge of regulatory guidelines (RBI/NBFC) • Strong communication and stakeholder management • Team handling experience preferred