Sr. Manager - Operation

Key responsibilities

End-to-end loan operations

Workflow management: Lead the entire loan lifecycle for personal and digital products, which includes onboarding, processing, disbursement, servicing, and closure.

• KYC and fraud: Oversee Know Your Customer (KYC) validation and implement fraud prevention strategies within the digital loan process.
• Compliance and auditing: Ensure that all operational processes adhere to regulatory guidelines, especially those related to digital lending and co-lending frameworks. Coordinate with internal and external audit teams for periodic reviews.

Co-lending and partnership management

Daily operations: Drive daily operations for co-lending models, managing fund flow between your institution, partner banks, and escrow accounts.

• Reconciliation: Monitor and reconcile principal, interest, and fee components with co-lending partners.
• Reporting: Validate data sharing and Management Information System (MIS) reports according to partner and regulatory formats.

Process automation and technology

• Automation: Work with product and technology teams to automate loan origination, disbursement, repayment, and other core functions.
• API integration: Oversee the integration of payment gateways, Loan Management Systems (LMS), and other banking APIs to create a seamless user experience.
• Process improvement: Identify process bottlenecks and implement tech-enabled solutions to increase speed, accuracy, and scalability.