Assistant Manager Loan Operations (Supply Chain Finance)

Role Overview

Own the end-to-end SCF loan lifecyclefrom login & eligibility (CIC/KYC) through CAM-lite preparation documentation disbursal servicing (invoices/limits NACH/cheques) MIS credit bureau furnishing and regulatory reporting. Partner closely with Business Credit Legal Treasury Tech and external vendors to deliver accurate compliant and timely outcomes.

Key Responsibilities

A) Intake Eligibility & Documentation Readiness

Login & completeness: Receive application packs from Sales/Originations; validate against a login checklist (KYC financials bank statements GST anchor/vendor docs board resolutions/undertakings collateral/comforts as applicable).

Eligibility screening: Pull and review credit bureau (CIBIL/CRIF/Experian/Equifax) for borrowers/guarantors; run KYC/AML/PEP/sanctions checks (incl. CKYC where applicable); flag deviations/negative matches.

CAM-lite: Prepare a concise preliminary CAM (business overview banking summary bureau highlights checklist status deviations) and forward to the Credit team for underwriting; track clarifications to closure.

B) Documentation & Execution

Draft/issue Sanction Letters Facility Agreements ancillary undertakings; ensure correct state stamp duty/e stamp and templates.

Coordinate e-sign execution (Legality/Aadhaar or platform of choice) and e-NACH mandate setup; ensure readiness of bank/NPCI files.

Create master data in LMS (limits pricing tenors schedules anchor/vendor linkages).

C) Disbursals & Settlements

Validate disbursal documentation; check invoice eligibility against approved limits pricing tenor anchor/vendor criteria.

Execute disbursals within TAT; reconcile bank postings; ensure correct vendor/dealer payouts and anchor settlements.

Maintain accurate digital archiving and indexing in the Document Management System (DMS).

D) Servicing Collections & Cash Application

Post-disbursal servicing: process incoming invoices; monitor limit utilisation due dates and exceptions.

Manage NACH life-cycle (first presentations re-presentations returns success files); reconcile with LMS and bank statements.

Cheque/CTS handling (where applicable): schedule cheque presentations for principal/interest track returns and coordinate re-presentations/alternate arrangements.

E) Reporting (MIS Bureau Regulatory)

Produce MIS and dashboards: disbursals utilisation bucket/DPD ageing overdue anchor exposure exceptions.

Credit Bureau (CIC) furnishing: timely monthly reporting/updates (status codes closures) dispute handling accuracy controls.

Support regulatory reporting with Compliance (e.g. applicable NBFC/RBI returns) CKYCR and CERSAI filings where security is involved; maintain audit-ready trails.

F) Risk Controls & Stakeholder Management

Enforce ops checklists/SOPs; manage exceptions & deviations with documented approvals; drive SLA/TAT adherence.

Support internal/external audits; close observations and strengthen controls.

Coordinate with Business (anchor/vendor onboarding) Credit (terms/conditions) Legal (documentation) and Tech/LMS (workflow fixes); guide anchors/vendors on documentation and repayments.

Must-Have Skills & Experience

57 years in Supply Chain Finance loan operations at an NBFC/Bank/Fintech covering both pre- and post-disbursal.

Hands-on with bureau pulls & interpretation KYC/AML/PEP screening e-sign/e-stamp e-NACH setup and file operations LMS transactions and DMS archiving.

Strong Excel (Pivots Lookups) reconciliation discipline comfort with bank/NPCI file formats.

Familiar with GST portal / e-invoice (IRN) verification and anchor/vendor program nuances.

Excellent data entry accuracy and data interpretation skills.

Soft Skills:

Detail-oriented with high accuracy.

Strong follow-through and sense of ownership.

Ability to multitask and work under tight timelines.

Effective communication and cross-functional collaboration skills.

Why join us

Build the loan-ops backbone of a purpose-driven NBFCdesign checklists STP workflows and controls that keep us audit-ready and scalable.

Operate at the intersection of Credit Legal Tech & Compliancefrom e-sign/estamp and e-NACH to bureau furnishing and RBI-facing reporting.

Thrive in a governance-first culture focused on durable growth: clean reconciliations zero critical audit findings and data-driven MIS.