Lead - Credit Administration Department - Middle Office & Back Office

Role Overview:

The Lead - CAD will be responsible for managing and overseeing Middle Office and Back Office operations across Retail Lending, Supply Chain Finance, and Commercial Finance products, including Working Capital Demand Loans (WCDL) and Working Capital Term Loans (WCTL).

The role involves managing end-to-end loan processing and operational workflows, credit documentation and verification, payout and disbursement processes, vendor management, and coordination with business, credit, risk, and operations teams. The incumbent will ensure operational accuracy, adherence to internal policies, effective process controls, and timely delivery of services across the assigned lending products.

Key Responsibilities:

1. Middle Office & Credit Operations:

- Manage Middle Office activities across Retail Lending, Supply Chain Finance, and Commercial Finance products.

- Oversee scrutiny of loan applications, credit documentation, customer information, and supporting records.

- Coordinate with business and credit teams to resolve discrepancies, documentation gaps, and pending queries.

- Ensure completion of prescribed pre-disbursement checks and compliance with applicable credit approval conditions.

- Monitor loan processing workflows and ensure adherence to defined turnaround times (TAT).

- Maintain data accuracy and ensure proper system updates and documentation records.

2. Back Office & Loan Processing:

- Oversee Back Office operations relating to loan processing, documentation, disbursement, and post-approval activities.

- Ensure appropriate verification of loan documentation and fulfilment of operational requirements before disbursement.

- Monitor processing exceptions, pending cases, and operational bottlenecks.

- Coordinate with internal teams to ensure smooth execution of loan servicing and related operational activities.

- Establish checks to minimize processing errors and ensure consistency across lending products.

3. Retail Lending, Supply Chain & Commercial Finance:

- Manage operational workflows for Retail Lending and Supply Chain Finance products.

- Support processing and operational activities for Commercial Finance facilities, including WCDL and WCTL.

- Ensure appropriate documentation, system setup, and fulfilment of approval conditions in line with product-specific requirements.

- Coordinate with business, credit, risk, legal, and operations teams for timely processing of transactions.

- Ensure compliance with product-specific operating procedures and internal control requirements.

4. Payout & Disbursement Management:

- Oversee payout and disbursement processes in accordance with approved sanction terms and internal policies.

- Ensure verification of payout requests, supporting documentation, and applicable approval requirements.

- Coordinate with finance, business, and operations teams to resolve payout discrepancies and delays.

- Monitor payout status, pending transactions, and process exceptions.

- Maintain appropriate records and controls to ensure accuracy and audit readiness.

5. Vendor Management:

- Manage vendor coordination and performance monitoring for activities associated with the assigned lending products.

- Ensure vendors adhere to defined service standards, turnaround times, documentation requirements, and operating procedures.

- Track vendor deliverables, service quality, escalations, and operational issues.

- Coordinate vendor onboarding and related documentation in accordance with internal policies, where applicable.

- Identify opportunities to improve vendor productivity, service quality, and cost efficiency.

6. Process Governance, Controls & Compliance:

- Ensure adherence to internal SOPs, operational policies, credit conditions, and applicable regulatory requirements.

- Implement appropriate checks and controls across Middle Office, Back Office, and payout workflows.

- Support internal audits, compliance reviews, and closure of audit observations.

- Identify operational risks, process gaps, and recurring errors and recommend corrective actions.

- Maintain complete documentation and audit trails across transactions.

7. Team Management & MIS:

- Lead and supervise the CAD Middle Office and Back Office team.

- Allocate responsibilities, monitor productivity, and ensure timely processing of cases.

- Prepare MIS covering volumes, TAT, pending cases, payout status, vendor performance, and operational exceptions.

- Drive process standardisation, automation, and continuous improvement initiatives.

- Coordinate with senior management and cross-functional teams to improve operational efficiency.

Candidate Profile:

- Graduate or postgraduate in Finance, Commerce, Business Administration, or a related discipline.

- Relevant experience in lending operations, CAD, credit operations, Middle Office, or Back Office within a bank or NBFC.

- Exposure to Retail Lending, Supply Chain Finance, and/or Commercial Finance operations.

- Working knowledge of WCDL, WCTL, loan documentation, disbursement, payout processes, and operational controls.

- Experience in vendor management and handling multiple operational workflows will be advantageous.

- Prior team management experience preferred.

- Strong analytical, coordination, stakeholder management, and problem-solving skills.

Key Performance Indicators (KPI's):

- Loan processing and disbursement turnaround time.

- Accuracy of documentation and transaction processing.

- Payout accuracy and timeliness.

- Vendor performance and service-level adherence.

- Operational productivity and pending-case resolution.

- Audit compliance and reduction in process exceptions.

- Team performance and process improvement.