Rural Credit Operations Specialist

6 days ago


Bengaluru, Karnataka, India jai kisan Full time

About Jai Kisan: Revolutionizing Rural Finances

Jai Kisan is pioneering the first comprehensive rural fintech platform, catering to the diverse financial needs of borrowers in rural emerging markets. Our cutting-edge technology facilitates secured and income-generating loans to rural borrowers in India, mainly farmers (over 70% rely on agriculture as their primary source of livelihood), from various lending institutions through our user-friendly mobile and web-based platforms.

Our platform comprises a loan application tool utilizing a robust credit scoring engine with 200+ parameters for our farmers, a customizable loan origination and management system for our lenders, and a full-stack CRM solution for our channel partners. The mobile and web interface is accessible at borrowers' fingertips or at any of our technologically-enabled channel partner locations.

Jai Kisan has recently secured ₹300 million ($3.94 million) in a pre-series A funding round led by Arkam Venture, with NABVentures — the VC arm of Indian development finance institution (DFI), the National Bank for Agriculture and Rural Development (NABARD) — also joining in its first-ever investment.

We are committed to executing our mission and passionate about supporting the transformation of rural India. Entrepreneurial spirit, passion, and a drive for results are core values we seek in every team member. Our team brings varied industry experience from private equity to management consultancy to capital markets, working towards building a franchise that delivers sustainable financing to rural India.

Key Responsibilities:

  • Verify KYC documents
  • Underwrite and evaluate U/W documents
  • Evaluate retailers based on defined criteria and suggest appropriate limits
  • Verify Agreement, UDCs, and post-sanction documents received from customers
  • Invoice verification of receipts sent by retailers for financing
  • Bank account verification for disbursement
  • Track and validate disbursements against invoices
  • Monitor repayments and escalate as per defined criteria

Requirements:

  • 2-3 years experience in credit evaluation and credit ops handling
  • Project management & Excel Skills
  • Preferred qualification: CA
  • Ability to thrive in a fast-paced, collaborative environment


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