Assistant Vice President/Senior Manager - Loan Operations - NBFC

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.