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 solid 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

27 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

Strong 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

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

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