Key Responsibilities 1. End-to-End Loan Operations ● Manage the complete lending lifecycle including: ○ Loan origination ○ Underwriting coordination ○ Approval workflows ○ Disbursals ○ Loan servicing ○ Collections coordination ● Ensure seamless execution across all operational stages 2. Credit & Risk Operations ● Enforce lending and underwriting policies across operations ● Ensure adherence to internal credit guidelines and partner requirements ● Identify and mitigate operational, fraud, and default risks ● Support portfolio quality improvement initiatives 3. Documentation & Verification ● Oversee customer verification, KYC, and loan documentation processes ● Coordinate collateral verification and legal/operational checks where applicable ● Ensure documentation accuracy and compliance standards 4. Process Optimization & Automation ● Identify operational bottlenecks and inefficiencies ● Improve turnaround times (TAT) across credit and operational workflows ● Work with Product and Tech teams to implement automation and workflow improvements ● Build scalable SOPs and operational frameworks 5. Portfolio Monitoring & Performance Tracking ● Monitor and analyze key portfolio metrics including: ○ Delinquency rates ○ Approval ratios ○ Disbursal trends ○ Collection performance ○ Bad debt losses ● Support portfolio health and operational reporting 6. Vendor & Stakeholder Management ● Coordinate with: ○ Lending partners ○ Internal credit teams ○ Legal and compliance teams ○ Operations and customer support teams ○ External verification and technology vendors ● Ensure smooth coordination across stakeholders 7. Compliance & Regulatory Alignment ● Ensure operational adherence to lending regulations and partner policies ● Support audit, compliance, and governance requirements ● Stay updated on regulatory developments from Reserve Bank of India and industry standards
What We’re Looking For Experience ● 5+ years of experience in: ○ Banking ○ NBFCs ○ Fintech ○ Consumer lending operations ● Strong background in: ○ Credit underwriting operations ○ Loan processing ○ Lending operations management Domain Expertise ● Strong understanding of: ○ Credit analysis ○ Consumer lending processes ○ Risk assessment frameworks ○ The 7 Cs of Credit ○ Loan lifecycle management ○ Soft Skills ● Strong analytical and problem-solving abilities ● Operational excellence mindset ● Excellent stakeholder and team management skills ● Ability to work in fast-paced startup environments
Pay: ₹100,000.00 - ₹250,000.00 per year
Application Question(s):
- Total years of experience in Credit operation
- Current CTC
- Expected CTC
- Notice period
- have experience in Credit underwriting operations, Loan processing, Risk assessment frameworks?
- Are you from Bengaluru?
- Must have worked with NBFC, Fintech, financial Service Companies
Work Location: In person
