Role Overview:

We are looking for a detail-oriented professional to join our Credit Operations team. The role involves managing end-to-end deal processing, disbursements, repayment tracking, refinancing activities, statutory compliance, and borrower servicing. The ideal candidate should have a robust understanding of financial operations, excellent coordination skills, and the ability to ensure accuracy and timely execution of transactions.

Key Responsibilities:

1. Deal Processing & Disbursement

- Ensure accurate and timely processing of ID/NCD deals and related transactions.
- Manage processing fee clearances within defined turnaround times (TAT).
- Coordinate refinancing activities following credit approval, ensuring adherence to approved terms and internal policies.
- Ensure timely disbursement of funds in accordance with sanction conditions and approved documentation.

2. Repayment Monitoring & Risk Management

- Monitor repayment schedules and proactively follow up to ensure timely collections and minimize defaults.
- Coordinate with borrowers and internal stakeholders to resolve repayment-related issues.
- Identify potential delays or operational risks and take timely corrective action.

3. Borrower Relationship Management

- Build and maintain strong relationships with borrowers to ensure a positive customer experience.
- Act as the primary point of contact for operational and service-related queries.
- Handle borrower requests, including balance confirmations, No Objection Certificates (NOCs), and other operational documentation.

4. Compliance, Taxation & MIS

- Ensure accurate calculation and timely filing of Tax Deducted at Source (TDS) in accordance with applicable statutory requirements.
- Prepare and maintain monthly and quarterly MIS reports,



ensuring accuracy and timely submission.
- Maintain proper transaction records and documentation for audits, internal reviews, and compliance requirements.

5. Stakeholder Coordination

- Work closely with Credit, Finance, Legal, and other internal teams to facilitate seamless transaction execution.
- Coordinate with external stakeholders to ensure timely resolution of operational and documentation-related matters.
- Ensure adherence to internal processes, policies, and applicable regulatory requirements.

Required Skills & Qualifications:

- Bachelor's degree in Commerce, Finance, Accounting, Business Administration, or a related field.
- 1-3 years of experience in Credit Operations, Loan Operations, Financial Operations, NBFC Operations, or Lending Operations.
- Understanding of deal processing, disbursements, repayments, and transaction lifecycle management.
- Working knowledge of TDS, financial documentation, and MIS reporting.
- Proficiency in MS Excel and data management.
- Strong analytical, coordination, and problem-solving skills.
- Excellent communication and relationship management skills.
- High attention to detail, ownership, and ability to meet deadlines.

Preferred Experience

- Experience in a fintech, NBFC, lending platform, or financial services organization.
- Exposure to NCDs, debt instruments, refinancing, loan servicing, or credit-related transactions.
- Experience handling borrower queries, repayment tracking, NOCs, balance confirmations, and statutory compliance.

Key Competencies Credit Operations | Deal Processing | Disbursement Management | Repayment Monitoring | Loan Servicing | TDS Compliance | MIS Reporting | Borrower Relationship Management | Financial Documentation | Stakeholder Coordination

📌 Credit Operations Associate (Bengaluru)
🏢 AI Growth Bangalore
📍 Bengaluru