The Head of Operations – Retail Digital Lending will own end‐to‐end operations for our Travel, Healthcare and Education loan products. This includes credit underwriting, risk assessment, NPA management, collections coordination, and portfolio reporting, with a robust use of technology to drive efficiency and control. The role is hands‐on and ideal for someone who has grown through retail lending operations roles in Banks/NBFCs and is now ready to lead a lean, digital‐first team.
Key Responsibilities
Credit Underwriting & Policy Execution Oversee day‐to‐day underwriting for retail loan applications (Travel, Healthcare, and Education Loans) within defined policies and risk appetites. Ensure quality of credit decisions through disciplined use of bureau data, income documents, bank statements and internal scoring rules. Risk Assessment & Portfolio Monitoring Track key risk indicators (approval rates, bounce ratios, DPD buckets, NPAs, roll rates) and highlight emerging trends. NPA Management & Collections Interface Build and manage processes for early‐bucket management,



restructuring norms (if any), and NPA reporting. Coordinate closely with Collections to ensure smooth hand‐offs, aligned strategies and fair‐practice compliance. Operational Process & Controls Own core operational processes: application processing, KYC checks, documentation, disbursal and reconciliation. Design and maintain robust control frameworks (checklists, maker‐checker, QA/QC, error monitoring) to minimise operational risk. Technology & Digital Journeys Work with Tech/Product teams on LOS/LMS workflows, APIs, and automation to reduce manual work and TAT. Suggest and validate system changes, dashboards and rule‐engines to support scalable digital operations. Regulatory & Reporting Ensure adherence to RBI and internal policy guidelines on retail lending operations, KYC/AML, fair‐practices and recovery. Prepare and review operational MIS and portfolio reports for Management and regulators as required.

📌 Head of operations – retail digital lending (Mumbai)
🏢 Grownet Finance Private
📍 Mumbai