About Us

Jayshree Credit Services Pvt. Ltd. (brand: Kite Finance) is an RBI-registered NBFC offering business and working-capital loans and supply-chain finance to MSMEs and startups, helping fund their growth.

Jayshree is a part of Karbon group- Karbon is a leading fintech company transforming how fast-growing Indian businesses manage their finances. Backed by over $35mn in Series A funding from global investors like Y Combinator, we provide comprehensive solutions across accounting, spend management, and financial operations. We are a startup that strives to make the entrepreneurial journey easier by handling the financial backend, so our clients can focus on building and making a difference.

Job Summary:

We are looking for a detail-oriented and proactive Credit Ops to support our lending operations and ensure timely collections from borrowers. The ideal candidate should have experience in loan operations, customer coordination, payment follow-ups, and MIS reporting.

Requirements

Key Responsibilities:

Lending Operations

- Process loan disbursements and documentation.
- Verify customer documents and maintain accurate loan records in the LOS/LMS.
- Manage loan bookings, repayment schedules, and operational data.
- Coordinate with Credit, Finance, Sales, and Legal teams for seamless execution.
- Ensure compliance with internal policies and regulatory requirements.

Collections

- Monitor repayment schedules and overdue accounts.
- Follow up with customers via calls, emails, and WhatsApp for collections.
- Negotiate repayment commitments and escalate delinquent accounts as required.
- Coordinate with collection agencies and maintain collection MIS and ageing reports.

Operations Support

- Prepare operational and collection MIS reports.
- Reconcile collections with bank records.




- Resolve customer queries related to loan servicing and repayments.
- Identify process gaps and support operational improvements.

Must-have competencies:

- Graduate in Commerce, Finance, Business Administration, or a related field.
- 1-3 years of experience in collections, loan operations, customer service, or lending operations in a bank, NBFC, fintech, or financial institution.
- Good communication and negotiation skills.
- Strong follow-up and customer handling abilities.
- Attention to detail and process orientation.
- Working knowledge of Microsoft Excel (Pivot Tables, VLOOKUP/XLOOKUP, basic formulas).
- Ability to manage multiple tasks and meet deadlines.

Nice to have competencies:

- Exposure to business loans, invoice financing, supply chain finance, or MSME lending is preferred.

Perks

Benefits

Our Way of Life - The AiA Values

C - Collaborate to Win

We win together, not alone. We listen, challenge with care, and move as one team. Speed and success come from trust and cross-functional teamwork.

E - Elevate the Bar

Good enough isn't good enough at AiA. We push for world-class in everything we do. We learn fast, aim high, and turn feedback into fuel.

O - Own It End-to-End

We think like founders. We take full responsibility for outcomes-not just tasks. When things go wrong, we fix. No blame, no excuses-just impact.

Perks & Benefits:

- Upskilling Policy - Access to tools, courses, and resources to stay ahead in content and AI workflows
- Team Outings - Offsites and outings to celebrate wins and build stronger bonds
- Versatile Work-from-Home - Up to 12 days remote every 6 months
- Menstrual WFH - Up to 3 days per month
- Mobility Benefits - Relocation and travel support
- Parental Support - Maternity, paternity, and adoption leave

📌 Credit Ops (Bengaluru)
🏢 Karbon Business
📍 Bengaluru