To oversee and optimize the entire operational backbone of our NBFC, seeking a visionary leader with a deep understanding of lending operations, technology, and regulatory compliance, capable of building scalable processes that support rapid business growth while maintaining the highest standards of quality and efficiency.

Key roles & responsibilities:

1. BAU Planning

- Own Review of the end-to-end process from Onboarding to Servicing, and ensure alignment to Org Processes

- Drive overall operations, design SLAs, TATs to reduce the error rate and keep within the agreed benchmark

- Set up processes for the digital lending business and hands on experience in managing LOS, LMS, Customer Complaints, Reconciliation

- Guide & train the team on new process and integrations to increase efficiency and output

2. Stakeholder Management & New Channel Partner Onboarding

- Identify the needs of the channel partners and work with internal stakeholders to ensure that the processes are aligned, and new processes are developed to reduce the lapses in the overall process

- Liaise with PGs/acquirers, banks/treasury, Finance/Controllership, Product/Tech, Collections, and external auditors to resolve breaks and align on file schemas and SLAs

3. Reconciliation & Accounting

- Reconcile LOS/LMS disbursal files with bank/UPI/IMPS/NEFT credits and GL postings; ensure disbursal amounts, beneficiaries, and timestamps match and exceptions are resolved with auditable trails

- Reconcile PG dashboards, acquirer reports, chargeback/refund files, and bank escrow statements; track Tp+0/Tp+1 credit into escrow and merchant settlement on T/T+1 for accurate posting of payments.

- Enforce nodal/escrow account usage restrictions and segregation per RBI requirements for intermediaries/PGs.

- Daily bank-to-GL and subledger reconciliations with auto-match rules (one-to-one, many-to-one, many-to-many), auto-journals for variances, and sign-offs integrated into period-end close.

- Publish daily/period close dashboards on on-time reconciliations, ageing of reconciling items, percent automated matches, exception TAT, and journal throughput.

4. Regulatory reporting

- Collaborate with Business and Finance for GL control and regulatory reporting for the Business

- Bureau reporting

- CKYC reporting

5. Automation & Controls

- Validate accruals/fees postings and correct mis posts through controlled journals aligned to close controls

- Maintain reconciliation formats, documentation, and workflow signoffs to support audits and control frameworks.

- Resolve timing differences versus lender/acquirer posting dates and document exceptions for roll-forward continuity

- Maintain complete audit trails, access controls, maker-checker approvals, and quarterly reviews of rules and recon formats.

- Own the Governance Function to ensure any possible deviation in process is highlighted promptly

Key requirements:

a) Qualifications:

- Minimum: Degree; preferred tech/accounting background .

- Preferred: Bachelor's in computer science, Accounting, Commerce or equivalent; MBA/PGDM in Operations/Finance/Analytics; or equivalent combination.

b) Work Experience:

- 5 -12 years of experience

- Should have a NBFC / Bank Lending operations background.

- Understanding of KYC, Governance, Audit, Controls

- NBFC/bank/fintech reconciliation across disbursals, collections, bank/GL, and PG/escrow flows with audit exposure

- Hands-on with ERP/GL and recon tools (e.g., Oracle ARCS/Account Reconciliation, ReconArt,BlackLine) and bank/PG file structures

- Proficient in Excel and SQL; familiarity with APIs, RPA (UiPath/Automation Anywhere), and AI-assisted matching preferred

- Lending stack familiarity (LMS/LOS, UPI/IMPS/NEFT rails, chargeback/refund workflows, settlement files).