About the Company -

We are a new-age NBFC dedicated to empowering Small and Medium Enterprises (SMEs) through tailored financing solutions, including supply chain and working capital loans. As a fast-growing startup, we are building agile processes and tech-driven operations to scale rapidly while maintaining the highest standards of compliance, risk management, and customer satisfaction.

Role Overview -

We are seeking a highly motivated and detail-oriented Loan Operations Head 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.

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.

Key Skills & Qualifications -

- 7-12 years of experience in loan operations (preferably with NBFCs, banks, or fintechs).

- 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.