Mumbai
Role Overview
The Operations Executive will be responsible for managing day-to-day operational activities, ensuring smooth execution of financial processes, and supporting cross-functional teams. The role requires attention to detail, process orientation, and the ability to work in a fast-paced fintech environment while adhering to defined TATs (Turnaround Times).
End-to-end disbursement operations across banks, NBFCs, payment partners, and educational institutions - from partner onboarding to daily execution
Governance and compliance for high-volume, high-value lending operations, including defining the KPIs, SLAs, and frameworks that keep the whole function accountable
Cross-functional partnerships - working closely with Finance,Technology, and Risk, to streamline lender integrations and cut onboarding friction
UAT and production go-lives for new partner integrations and platform changes
Strategic partner relationships with lending partners, including owning escalations when things go sideways
Team Management : Lead, coach, and develop Deputy Managers and their teams (10-20 FTE + contract across the function).
Set team-level KPIs and hold Deputy Managers accountable for productivity, quality, and SLA adherence.
Lender & Partner Management: Act as the senior escalation point and strategic relationship owner for Banks, NBFCs, and lending partners.
Drive operational governance and strategic partnership initiatives with external partners.
Lead cross-functional initiatives (like lender onboarding streamlining) spanning Finance, Risk, and QA.
Coordinate with Product, Tech, and Compliance teams on lender requirement implementation and UAT/production go-lives.
Compliance & Operational Excellence
Manage end-to-end processes including KYC, NACH, Institute, and Lender.
Verify compliance requirements (PAN, KYC, agreements, mandates) before loan disbursement.
Ensure cases move seamlessly through defined stages in the loan lifecycle.
Handle escalations & resolve operational queries within defined TAT.
Conduct pre-disbursal checks to ensure KYC, payments, NACH mandates, and agreements are in place.
Ensure strict adherence to regulatory norms, lender policies, and internal SOPs.
Identify and escalate discrepancies, or policy deviations.
Monitor downpayment and refunds.
Reporting & Process Improvements
Suggest process improvements and support automation/system enhancement initiatives.
Identify operational bottlenecks and collaborate with tech/product teams to streamline workflows.
Leverage AI tools to speed up reporting, error-checking, and documentation, and recommend opportunities to apply AI/automation within operational workflows.
People & Coordination
Coordinate with interns/subordinates to ensure smooth execution at the workfront. • Communicate and align with internal teams for process consistency.
Contribute as a strong team player while supporting leadership and organizational goals.
Analytical Thinking: Ability to assess gaps, identify risks, and resolve operational issues.
Process Orientation: Strong focus on accuracy, compliance, and SOP adherence.
Collaboration: Ability to work effectively with internal teams and external stakeholders.
Adaptability: Manage high volumes efficiently in a dynamic fintech/banking environment.
Tech & AI Savviness: Comfortable adopting new AI tools and technology to improve accuracy and efficiency in daily operations.
Experience: 2-3 years in Fintech, NBFC, Banking, or E-commerce operations.
Strong knowledge of financial products, KYC norms, loan processing, and NACH/eNACH.
Advanced proficiency in MS Excel/Google Sheets.
Excellent problem-solving, communication, and coordination skills.
Leadership & organizational abilities with flexibility to work in shifts, Sundays, or holidays.
AI Knowledge & Tools: Working knowledge of AI concepts and hands-on experience using AI tools (e.g., ChatGPT, Claude, Copilot, or similar) to support day-to-day tasks such as data checks, drafting, summarization, and process automation.
AI Application: Ability to write effective prompts, evaluate AI-generated output for accuracy, and apply AI responsibly within compliance and data-sensitivity guidelines.