Overview
Role : AVP / Senior Manager – Loan Operations ( NBFC) – Head
Location : Delhi
Role Overview :
We are seeking a highly motivated and detail-oriented Loan Operations Manager to lead and streamline our lending operations. This role will be central to managing the end-to-end loan lifecycle, ensuring smooth disbursement, compliance with regulatory requirements, and driving operational efficiency as we scale.
Key Responsibilities:
Loan Operations Management:
– Manage the end-to-end loan operations cycle (application processing, documentation, credit checks, approvals, disbursement, repayment tracking).
– Ensure TAT adherence for loan disbursement across all product lines.
– Oversee loan documentation, verification, and compliance with RBI/ NBFC norms.
– Implement process controls to minimize operational risks and errors.
Process Setup & Optimization (Startup Focus):
– Design and implement loan operations processes from scratch (SOPs, checklists, workflows).
– Collaborate with product, credit, and tech teams to build scalable digital-first processes.
– Identify opportunities to automate repetitive tasks (KYC, document management, repayment collections).
– Set up and monitor MIS reports & dashboards for operational efficiency.
Compliance & Risk Management:
– Ensure compliance with RBI, NBFC, and local lending regulations.
– Implement strong KYC/AML processes to prevent fraud.
– Partner with internal audit & compliance teams for periodic checks and risk assessments.
– Maintain accurate and audit-ready loan operation records.
Team & Vendor Management:
– Lead and train a loan operations team (analysts, associates, processors).
– Coordinate with external vendors/partners (DSAs, collection agencies, verification agencies).
– Work closely with banks, NBFC partners, and fintech platforms for co-lending and funding tie-ups.
Customer Experience:
– Ensure a seamless loan disbursement experience for customers.
– Act as an escalation point for operational issues.
– Drive initiatives to reduce customer complaints and TAT delays.
Educational Qualification / Work Experience & Key Skills:
– PG / MBA / Graduate with 8 – 12 years of experience in loan operations (preferably with NBFCs, banks, or fintech).
– Strong knowledge of business loans, SME loans and unsecured lending.
– Familiarity with RBI/ NBFC compliance and regulatory guidelines.
– Hands-on experience with loan management systems (LMS) and core banking systems.
– Strong analytical, process improvement, and problem-solving skills.
– Ability to work in a fast-paced startup environment and build systems from ground zero.
– Excellent communication and stakeholder management skills.