Purpose of the Job

The Operations Executive will be the execution backbone for the unsecured lending business, managing both customer-facing (front-end) and process/system-facing (back-end) operations across the full loan lifecycle from application processing and onboarding through to disbursement, servicing, and closure.

Roles & Responsibilities

Loan Processing & Onboarding

• Process loan applications end-to-end: document collection, KYC/AML verification, data entry into LOS, and application status tracking

• Validate customer documents (identity, address, income proof) for completeness and authenticity; liaise with customers and sales teams for pending requirements

• Co-ordinate with the credit team for application movement, query resolution, and sanction communication

• Generate and dispatch sanction letters, loan agreements, and other customer-facing documents; obtain execution and maintain records

Disbursement Operations

• Execute pre-disbursement checks: document completeness, credit conditions, mandate registration (NACH/e-NACH), and system readiness





• Initiate and track disbursement transactions; co-ordinate with finance and banking teams to ensure accurate and timely credit to borrower accounts

• Maintain disbursement MIS and flag exceptions or discrepancies on the same day

Loan Servicing & Back-End Operations

• Handle post-disbursement servicing requests: EMI/repayment schedule queries, statement issuance, interest certificates, foreclosure/part-prepayment processing, and NOC issuance

• Monitor repayment inflows, reconcile collections against due amounts, and flag bounces or shortfalls to the collections team on a T+1 basis

• Process loan modifications, limit enhancements, and renewals as per approved credit decisions

• Maintain accurate and up-to-date records in the LMS; ensure data integrity across systems

Customer & Stakeholder Co-ordination

• Act as the first point of contact for customer operations queries; resolve or escalate within

📌 Operations Executive (Bengaluru)
🏢 Innopay
📍 Bengaluru