About Us

LoanKhata Finance is an RBI-registered NBFC and part of the PayPoint India Group, lending to retailers and

MSMEs through a fully digital stack and PayPoint's network of 1 lakh+ retail touchpoints. We run a paperless loan journey end to end — bureau, BSA, eSign, eNACH and disbursement. This is an operations-first role in a fintech-native environment.

The Role

This is primarily a lending operations role, with credit and product exposure alongside it. We want someone who has run digital loan operations at scale in an NBFC or fintech — someone who owns TAT, funnel conversion and process quality, takes in-policy credit calls when needed, and works hands-on with a digital loan journey. It sits at the intersection of operations, credit, technology and business, but operations is the core.

Key Responsibilities

Lending Operations — primary

- Own the end-to-end digital loan lifecycle: login, KYC, sanction, documentation, eSign, eNACH and disbursement
- Drive TAT, SLA and conversion-funnel performance; identify and fix process bottlenecks
- Own daily loan MIS and operations dashboards; report drop-offs and stage-wise leakage
- Coordinate with field teams, distributors and lending service providers on operational execution
- Support compliance and audit under RBI Digital Lending Guidelines

Credit — within policy
- Underwrite retailer and MSME applications per credit policy — bank statement analysis, CIBIL review, income assessment and deviation management
- Conduct tele-PD and coordinate field verification where required




- Track portfolio quality and early delinquency signals; support collections escalations

Digital Lending & Tech
- Work with the tech team on the digital journey (KYC, bureau pull, BSA, eSign, eNACH, disbursement) — test flows, log issues, drive fixes
- Strong hands-on comfort with LOS/LMS platforms, dashboards and Excel-based analysis

Business Alignment

- Partner with business on partner onboarding, new products and process design
- Balance risk and growth — enable business within policy

What We're Looking For

- 5–8 years in lending operations at a digital lending NBFC or fintech lender (unsecured business / MSME /

retailer lending preferred). NBFC background strongly preferred.
- Must have worked on a fully digital, paperless loan journey — not branch-led or manual-file operations
- Strong knowledge of KYC norms, bureau reports, bank statement analysis and RBI Digital Lending Guidelines
- Hands-on with LOS/LMS systems, digital lending workflows and MIS/Excel
- Ownership-driven, comfortable in a fast-moving fintech setting
- Graduate / Postgraduate; finance or commerce background preferred

What You Get

- Direct exposure to the leadership team and real influence on how a digital NBFC is built
- Rare breadth at manager level — operations, credit, tech and business in one role
- Competitive compensation, commensurate with experience

Interested candidates are requested to share their updated CVs at [email protected] or contact me at (phone hidden).

📌 Manager - Lending Operation (Digital) (Mumbai)
🏢 PayPoint India
📍 Mumbai