Loan Operations Manager

3 weeks ago

Ludhiana, India Findoc Investmart Full time

Key Responsibilities:

Loan Processing & Disbursement:

  • Manage end-to-end operations for Business Loans and LAP, from post-sanction to disbursement.
  • Ensure accurate verification of KYC, financials, property documents, and other relevant paperwork.
  • Coordinate with credit, legal, and technical teams for valuation, title checks, and compliance.

Documentation & Compliance:

  • Review and validate loan documentation including sanction letters, agreements, and property papers.
  • Ensure compliance with RBI guidelines and internal credit policies.
  • Maintain proper documentation for audits and regulatory inspections.

Customer Service & Support:

  • Handle customer queries related to loan servicing, repayment schedules, and foreclosure.
  • Ensure smooth onboarding and servicing experience for borrowers.

Portfolio Monitoring & Risk Management:

  • Monitor loan accounts for timely repayments and flag potential delinquencies.
  • Coordinate with collections and recovery teams for overdue accounts.
  • Support risk mitigation through operational checks and controls.

Reporting & MIS:

  • Prepare and present operational reports including disbursement trends, turnaround times, and exception handling.
  • Track KPIs such as processing time, error rates, and customer satisfaction.

Team Leadership & Coordination:

  • Lead a team of loan processing officers and executives.
  • Collaborate with sales, credit, legal, and finance teams to ensure seamless operations.

Requirements

Requirements

Qualifications & Skills:

  • Graduate/Postgraduate in Finance, Business Administration, or related field.
  • 58 years of experience in loan operations, preferably in Business Loans and LAP within NBFCs or banks.
  • Strong understanding of property documentation, financial analysis, and credit underwriting processes.
  • Familiarity with loan management systems and digital lending platforms.
  • Excellent communication, analytical, and leadership skills.

Preferred Attributes:

  • Experience in managing high-ticket LAP and unsecured business loans.
  • Exposure to process automation and workflow optimization.
  • Knowledge of local property laws and valuation practices.

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