Lending Manager

Job Title: Head of Operations – Lending Business

Location: Kolkata

Experience: Minimum 5 years (preferably in lending/financial services/NBFC/Fintech)

Role Overview

We are looking for a dynamic and detail-oriented Head of Operations to lead and scale the operational functions of our lending business. The role involves managing end-to-end loan operations, improving processes, ensuring compliance, and driving operational efficiency while delivering a seamless customer experience.

Key Responsibilities

Operational Leadership

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• Oversee end-to-end lending operations including loan origination, underwriting support, disbursement, servicing, and collections.
• Build and lead high-performing operations teams.
• Process Optimization
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• Design, implement, and continuously improve operational processes for efficiency and scalability.
• Identify bottlenecks and implement automation and digital solutions.
• Risk & Compliance
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• Ensure adherence to regulatory guidelines, internal policies, and audit requirements.
• Work closely with risk and compliance teams to mitigate operational risks.
• Vendor & Stakeholder Management
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• Manage third-party vendors (e.g., verification agencies, collection partners, technology providers).
• Collaborate with credit, product, tech, and sales teams.
• Performance Management
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• Define KPIs and monitor performance metrics such as TAT, approval rates, disbursement timelines, and collection efficiency.
• Drive data-driven decision-making.
• Customer Experience
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• Ensure a smooth and efficient customer journey across all touchpoints.
• Resolve escalations and improve service quality.
• Technology & Automation
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• Work with tech teams to implement LOS (Loan Origination Systems), LMS (Loan Management Systems), and automation tools.
• Drive digital transformation initiatives.
• Required Qualifications & SkillsBachelor’s degree in Business, Finance, or related field (MBA preferred).
• Minimum 5+ years of experience in lending operations (NBFC, bank, fintech, or digital lending platform).
• Strong understanding of loan lifecycle processes.
• Experience in team management and leadership roles.
• Knowledge of regulatory frameworks in lending.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and stakeholder management abilities.
• Familiarity with lending tech platforms and automation tools.
• Preferred SkillsExperience in digital lending or fintech environments.
• Exposure to data analytics and reporting tools.
• Prior experience scaling operations in a high-growth environment.
• Key Success MetricsReduction in loan processing turnaround time (TAT)
• Improved operational efficiency and cost optimization
• Compliance adherence and audit success
• Customer satisfaction and retention rates
• Team productivity and performance