General Manager - Lending Operations

Job Description:

1. Lending Operation:

• Owning end-to-end Lending operations flow – including, KYC verification, disbursals, post-disbursal collection flow, Customer support, Partner coordination, etc.; including -Loan disbursal flow, adhering to the designed process
• Loan KYC & verification process with accuracy and efficiency
• Reconciliations from system and bank transfers
• Validation of loan documents
• Loan cancellation process, etc.
• Owning the Customer support process – ensuring timely & accurate resolution of customer queries & complaints as per the defined process and TAT
• Owning the Regulatory grievance redressal process ensuring timely & accurate resolution of regulatory queries.

2. Process improvement:

• Review and re-design/ modify processes and SOPs to improve end outcome (reliability, efficiency, scale)
• Work with stakeholders to ensure processes are updated considering the latest compliance requirements
• Work with Tech and Product to enable product integrations and automation.

3. Reporting:

•  Design & implement required MIS/ dashboards
•  Maintain different trackers for reporting at different levels

4. Stakeholder management:

• Coordination with internal teams (Risk, BD, Finance, Compliances, etc.)
• Work with Partners to solve operational issues, as well as engage to create a fruitful partnership.

5. Team management:

• Manage a team of 5-10 operations associates/ managers
• Ability to ensure high productivity & accuracy
• Getting the best out of the team through proper role allocation, skill-based fitment, etc. and keeping the team morale high.

Qualifications:

● Graduate/ Postgraduate from a reputed college/ University; MBA/ CA/ Finance degree
(Preferred)
● 8-10+ years of experience in Financial/NBFC/Banking/related industries; in similar Operations
roles
● Experience across digital lending, different lending products
● Experience in fintech, along with in a NBFC/Bank, is a strong plus

Desired Profile / Criteria / Skills :

Skills & know-how:
● Strong understanding of the Digital lending process.
● Good understanding of regulatory compliances.
● Experience in a high-velocity, ambiguous environment.
● Problem-solving and decision-making skills.
● Ability to manage multiple tasks, while adhering to deadlines.
● Comfortable working in a fast-paced and flexible environment.