Role Overview

The role will be responsible for managing end-to-end repayment and EMI operations, including EMI presentation cycles, NACH/PDC/SPDC processes, payment tracking, and system application. The incumbent will also manage vendor operations for dispatch and retrieval of instruments, ensuring strong controls, accuracy, and timely execution.

Key Responsibilities

Repayment & EMI Operations

- Manage the complete EMI presentation cycle, covering:

oPresentation of NACH, PDC, and SPDC as per defined schedules

oCoordination with banks, clearing houses, and internal systems for timely presentation

- Oversee end-to-end NACH lifecycle, including registration, modification, presentation, re-presentation, and closures.

- Monitor and resolve EMI returns / bounces, NACH failures, and representation cases.

- Handle NACH migration activities, including bank/platform changes and mandate transfers.

- Track payment realisation status for NACH/PDC/SPDC presentations.

- Ensure accurate and timely payment application in the system, including:

oEMI posting

oExcess/short payment handling

oReconciliation and exception resolution

- Manage auto lease payment application and address system or operational mismatches.

Vendor Management

- Manage vendors responsible for dispatch, presentation support, and retrieval of physical instruments (PDC/SPDC/NACH mandates).

- Validate vendor MIS reports and invoices; ensure SLA and TAT adherence.

- Drive resolution of operational issues, escalations, and service gaps with vendors.

Controls, Compliance & MIS





- Ensure adherence to RBI/banking guidelines, internal policies, and SOPs related to EMI and repayment operations.

- Prepare and maintain daily/monthly MIS, reconciliation statements, and control dashboards.

- Support internal and external audits by providing data, explanations, and documentation.

- Identify process gaps and drive process improvements and automation initiatives in repayment and EMI cycles.

Desired Candidate Profile

Qualifications

- Graduate in any discipline (MBA / Finance preferred).

Experience

- 2–7 years of experience in Banking/NBFC Operations, specifically in repayments and EMI management.

- Hands-on exposure to EMI presentation (NACH/PDC/SPDC), payment tracking, and system application is mandatory.

- Experience in vendor coordination and bank interactions is essential.

Skills & Competencies

- Solid understanding of EMI lifecycle, repayment instruments, and banking operations.

- High attention to detail with a strong control and compliance orientation.

- Strong Excel/MIS and reconciliation skills.

- Ability to handle high transaction volumes and tight timelines.

Key Performance Indicators (KPIs)

- EMI presentation accuracy and success rate

- Reduction in bounce/reject cases

- Timely and accurate payment application

- Vendor SLA adherence

- Audit observations and reconciliation breaks

Updated Date

18-05-2026

Job ID

Job_603

Department

Operation

Location

Gurugram, Haryana, India

Experience

2 - 6 Years

Employee Type

Full Time

📌 Manager - Operations (Gurugram)
🏢 Clix Capital
📍 Gurugram