Operations | Supply Chain Finance

Role Overview

We are looking for an experienced Operations professional with 7–8 years of relevant experience in Supply Chain Finance / Lending Operations and has Banking background. The candidate will be responsible for end-to-end loan documentation, loan disbursement, system operations, regulatory reporting, audit management, and ensuring adherence to defined processes and TATs.

The candidate should have strong attention to detailing, a high degree of accuracy and precision, and the ability to manage operational activities in a fast-paced lending environment.

Key Responsibilities

1. Operations Management & Governance

• Manage end-to-end loan operations, from documentation and pre-disbursement checks through loan disbursement and post-disbursement activities.
• Possess strong expertise in loan documentation, including verification of sanction terms, agreements, security documents, KYC and other relevant documentation.
• Ability to read, understand and interpret Credit Appraisal Memorandum (CAM)
• Ensure accurate and timely loan disbursement in accordance with approved sanction terms and internal policies.
• Conduct thorough pre disbursement post sanction checks with a strong eye for detail, ensuring completeness and accuracy of documentation before releasing funds.
• Establish operational frameworks, policies, procedures, and standard operating procedures (SOPs).

• Ensure adherence to defined operational controls, internal policies, and governance standards.

• Drive operational excellence through continuous monitoring and process standardization.

• Ensure all operational activities are completed within the defined TATs/SLA, while maintaining a high level of accuracy and process discipline.
• Manage and execute regulatory reporting requirements and ensure timely and accurate submission of applicable reports.
• Work on Loan Management Systems (LMS), Loan Origination Systems (LOS) and other operational/financial systems.
• Coordinate with Credit, Risk, Finance, Business, Legal, Compliance and Technology teams for smooth execution of lending operations.
• Ensure proper maintenance of loan and transaction records, MIS, operational trackers and documentation.
• Participate in and support RBI audits, internal audits and other regulatory/statutory audits, including providing required data, documentation and explanations.
• Ensure compliance with internal policies, SOPs, regulatory requirements and approved credit terms.
• Process Improvement & Operational Excellence

• Identify operational gaps, process deviations, operational bottlenecks and potential risks and work towards implementing corrective measures.

• Maintain strong control over operational processes to minimize errors, financial risk and documentation deficiencies.

• Support process improvement and automation initiatives to improve operational efficiency and turnaround time.

• Strengthen internal control mechanisms to minimize operational errors, and financial losses.

• MIS, Reporting & Performance Monitoring

• Develop and review periodic operational MIS, dashboards.
• Ensure accuracy, completeness, and timely submission of operational reports.

Key Skills & Competencies

• Strong knowledge of Supply Chain Finance.
• Expertise in loan documentation and disbursement processes.
• Expertise in process governance, operational risk, and internal controls.

• High level of accuracy, precision and attention to detail.
• Strong understanding of TAT-driven operations and process controls.
• Working knowledge of LMS, LOS and other lending/financial/document systems.
• Knowledge of regulatory and statutory compliance requirements.

• Experience in handling RBI and internal audits.
• Strong analytical and problem-solving skills.
• Good coordination and communication skills.
• Ability to work effectively in a high-volume, deadline-driven environment.
• Strong ownership and accountability towards operational deliverables.

Candidate Profile

• Experience: 7–8 years of relevant experience in lending operations, Supply Chain Finance operations, NBFC/banking operations or a similar financial services environment.
• Education: Post Graduation or equivalent qualification
• Industry Exposure: Banking operations