GRAMSERV PVT. LTD.

Role: Manager (Operations) – Head Office

Job Description

Position: Manager (Operations) Location: Head Office – Gramserv Pvt. Limited, Bengaluru Reports To: Head – Recovery / Senior Management

Role Purpose

To lead and manage operational activities related to Business Correspondence services provided to partner banks, ensuring effective sourcing, monitoring, recovery, and renewal of loans extended to Joint Liability Groups (JLGs) and Self Help Groups (SHGs). The role is pivotal in maintaining operational discipline, compliance, and efficiency across all districts.

Key Responsibilities

Loan Operations

- Oversee end‑to‑end loan lifecycle: sourcing, documentation, disbursement, monitoring, recovery, and renewal.
- Ensure compliance with partner bank guidelines, RBI norms, and Gramserv policies.
- Coordinate with field teams and BCAs for smooth execution of loan processes.

Monitoring & Risk Control

- Track NPA/SMA accounts and initiate corrective measures.
- Develop MIS dashboards with district/taluk‑wise loan performance.
- Conduct periodic audits of JLG/SHG accounts to identify irregularities.

Recovery & Renewal

- Implement structured repayment follow‑up mechanisms.
- Monitor overdue accounts and escalate recovery actions where necessary.
- Ensure timely renewal of loans to eligible groups.

Team Leadership

- Supervise operational staff at Head Office.
- Provide training and support to field‑level BCAs and coordinators.
- Act as liaison between Head Office and district/taluk branches.

Compliance & Reporting

- Draft and issue show cause notices for audit irregularities.




- Prepare structured reports for management and partner banks.
- Ensure adherence to statutory and regulatory requirements.

Process Improvement

- Identify bottlenecks in loan operations and suggest refinements.
- Implement technology‑driven solutions for monitoring and reporting.
- Contribute to strategic planning for expansion of BC/BF services.

Expected Deliverables

- Monthly MIS reports with district/taluk breakdowns.
- NPA/SMA tracking dashboards with actionable insights.
- Compliance documentation and audit reports.
- Training modules for BCAs and field staff.
- Recovery performance metrics and renewal status reports.

Qualifications & Experience

- Graduate/Postgraduate in Commerce, Finance, Management, or related field.
- 7–10 years of experience in microfinance, banking operations, or BC/BF services.
- Strong knowledge of JLG/SHG lending models and RBI guidelines.
- Proven track record in loan monitoring, recovery, and compliance.

Skills & Competencies

- Excellent leadership and team management skills.
- Strong analytical and MIS reporting capabilities.
- Knowledge of audit, compliance, and regulatory frameworks.
- Proficiency in MS Excel, dashboards, and data analysis.
- Effective communication and drafting skills (English & Kannada preferred).

Performance Indicators

- Reduction in NPAs/SMA accounts.
- Timely submission of MIS and compliance reports.
- Improved recovery and renewal rates.
- Operational efficiency across districts.
- Successful audits with minimal irregularities.

Pay: ₹15,306.92 - ₹58,626.24 per month

Advantages:

- Cell phone reimbursement
- Health insurance
- Provident Fund

Work Location: In person

📌 Manager Operations (India)
🏢 Gramserv Private
📍 India