Manager - Central Ops

About Credit Saison

Established in 2019, Credit Saison India (CS India) is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx 2000 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International's global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Manager - Loan Servicing

Purpose

Lead end-to-end loan servicing operations for retail and wholesale lending portfolios, ensuring efficient servicing, regulatory compliance, superior customer experience, and portfolio integrity.

Key Responsibilities

• Manage post-disbursement servicing for Home Loans, LAP, MSME, Personal, Consumer/Consumption, Business, and Wholesale Loans.
• Oversee Part Payments, Foreclosures, Pre-closures, Loan Closures, NOC/NDC issuance, and account maintenance.
• Manage TDS reconciliation/refunds, interest certificates, and customer servicing requests.
• Drive receivables management, payment reconciliations, mandate management, and exception resolution.
• Monitor operational controls, regulatory compliance, audits, and servicing SLAs.
• Prepare MIS, dashboards, and management presentations.
• Lead process automation, operational excellence, and team performance.
  
  

Key Performance Indicators (KPIs)

• Service Request SLA/TAT adherence
• Foreclosure & Part-Payment processing TAT
• Loan servicing accuracy (%)
• TDS refund/reconciliation turnaround time
• Receivables reconciliation and exception resolution
• Customer complaint resolution within SLA
• Audit & compliance ratings
• MIS accuracy and timeliness
• Process automation and productivity improvements
• Team performance and quality scores
  
  

Experience & Qualification

• Graduate/Postgraduate in Finance, Commerce, Banking, or Business Administration.
• 8 -12 years of experience in Loan Servicing/Operations within Banks, NBFCs, or HFCs.
• Strong exposure to secured and unsecured retail lending, MSME, mortgage, and wholesale lending portfolios.
  
  

Core Competencies

Loan Servicing | Part Payments & Foreclosures | TDS Refunds | Receivables Management | Retail & Wholesale Lending | Regulatory Compliance | MIS & Presentations | Process Improvement | Team Leadership.