/ Responsibilities

Senior AGM - Operations, Central Processing Unit. This position leads a centralised retail lending operations and processing function that supports a large, distributed branch network. It owns operational control, turnaround time, processing quality, regulatory compliance and execution discipline across the loan lifecycle.

Centralised Processing and Operations

- Lead centralised processing operations for retail lending businesses across multiple locations.
- Own the workflow from login through processing, documentation, sanction-condition fulfilment, disbursement, booking and post-disbursement activities.
- Monitor daily login-to-disbursement TAT, booking TAT, pending queues and productivity per officer and per team.
- Coordinate between Operations, Credit, Sales, Risk, Technology and other stakeholders.
- Act as the senior operational escalation point for complex cases and process exceptions.

Documentation and Quality Control

- Drive documentation accuracy, deviation management and exception control.
- Run maker-checker controls and pre-disbursement checks.
- Hold adherence to SOPs, process controls and sanction conditions.
- Monitor documentation error rates and remove repeat operational errors.
- Deliver zero repeat audit observations through root-cause analysis and corrective action.

Post-Disbursement and PDD

- Own monitoring and ageing of Post Disbursement Documents.
- Track pending RC, invoice, insurance, hypothecation endorsement and other asset documentation.
- Close PDD pendency within defined TAT.
- Run escalation for ageing and critical documentation gaps.

Regulatory and Compliance Operations

- Own and coordinate statutory and regulatory operational reporting.
- Submit CIC reporting,



CKYCR reporting and applicable RBI returns within timelines.
- Support RBI inspections, regulatory reviews and internal and external audits.
- Hold adherence to regulatory, compliance and operational control frameworks.

MIS, Analytics and Governance

- Prepare and present operational MIS and management dashboards to senior leadership.
- Track TAT, productivity, pendency, quality, deviations, exceptions and PDD ageing.
- Use Power BI, Tableau or equivalent tools for reporting and decision support.
- Run structured reviews for performance, productivity and operational risk.

Digital and Process Excellence

- Drive automation and digitisation of retail lending operations.
- Work with eNACH, eSign, OCR, RPA, LOS and LMS automation and paperless processing.
- Find manual intervention points and redesign processes for TAT, accuracy and scale.
- Apply Lean, Six Sigma, Kaizen and process excellence methods.

People and Scale

- Lead and develop a large operations and processing organisation.
- Set productivity standards, performance management and capability-building.
- Manage teams across multiple locations and processing units.
- Build a culture of process discipline, accountability and control.

Desired Profile

- A senior BFSI and NBFC operations qualified who has run centralised retail lending operations at scale.




- 15 to 23 years of experience, in NBFCs, retail asset banking or large retail lending organisations.
- Experience in Central Operations, Central Processing, CPU, Retail Asset Operations or Loan Processing.
- Experience managing large processing and operations teams, 100 plus preferred, or an equivalent large operating structure.
- Experience supporting multiple branches, locations, regions or a pan-India retail lending network.
- Command of the retail lending lifecycle from login to disbursement, booking and PDD.
- Hands-on with disbursement TAT, booking TAT, documentation, deviations, exceptions and PDD ageing.
- Exposure to RC, invoice, insurance and hypothecation documentation in asset and vehicle finance environments.
- Experience with regulatory reporting, RBI inspections, audits and compliance governance.
- Grounding in SOP, maker-checker, process control and operational risk.
- Experience in process automation, digital lending operations and operational transformation.
- Exposure to Lean, Six Sigma, Kaizen or equivalent methods.
- Stakeholder management across Operations, Credit, Risk, Sales, Technology and senior management.
- MBA or Postgraduate qualification preferred.
- This is a centralised national operations mandate. Profiles limited to branch operations, regional operations, area operations, cluster operations, sales operations, collections, credit underwriting or internal audit, without central lending-processing ownership, are not suitable.

Education Qualification MBA or Postgraduate preferred. A relevant postgraduate qualification with substantial NBFC operations experience is also considered.

📌 Senior AGM - Operations (Chennai)
🏢 Vayura Hr And Advisors
📍 Chennai