Role Overview The Operations Analyst – Credit Operations will manage post-credit-approval activities for dairy/cattle loans, including quality control (QC), NACH/e-mandate setup, loan documentation and agreements, fulfilment of sanction conditions, disbursement processing, and MIS management. The role serves as a control point between Credit Approval and Loan Disbursement, ensuring every case is complete, compliant, and accurately processed before funds are released.

Key Responsibilities
• Credit Approval QC
· Perform QC of all credit-approved cases before documentation and disbursement.
· Verify that the loan has been approved by the appropriate credit authority and is within the approved policy/authority matrix.
· Check borrower/co-borrower KYC, bureau, bank details, loan amount, tenure, ROI, EMI, and other sanctioned terms.
· Verify that all credit approval conditions and deviations have been complied with.
· Cross-check customer, cattle, vendor/supplier, and loan information across the LOS and supporting documents.
· Identify documentation gaps, discrepancies, or incorrect data and coordinate with Credit/Sales teams for resolution.
· Ensure no case moves to disbursement without completion of mandatory QC requirements.
• NACH/ e-Mandate
· Initiate and process NACH/e-NACH/e-mandate registration for approved customers.
· Verify customer bank account details, account holder name, and mandate information.
· Track mandate registration, rejection, and pending cases.
· Coordinate correction and re-registration of failed/rejected mandates.
· Maintain NACH registration and activation MIS. 3. Loan Agreements & Documentation
· Generate and verify loan agreements and other required loan documents.
· Ensure loan agreement details match the approved sanction terms.
· Coordinate customer e-sign/digital execution of agreements.




· Verify completion of required documentation before disbursement.
· Maintain proper digital records of executed agreements and supporting documents.
· Track pending agreements and documentation deficiencies. 4. Disbursement Operations
· Prepare approved and QC-cleared cases for disbursement.
· Verify disbursement amount, customer/vendor bank details, and beneficiary information.
· Ensure all pre-disbursement conditions are completed.
· Prepare and share disbursement files/MIS with the lender or internal Finance/Operations team.
· Track disbursement status and reconcile successful, failed, and pending transactions.
· Ensure accurate updating of disbursement date, amount, and transaction/reference details in the system.
· Coordinate with lenders, Credit, Sales and Finance teams for resolution of disbursement issues. 5. MIS & Reconciliation
· Prepare and maintain daily, weekly, and monthly Credit Operations MIS.
· Maintain stage-wise tracking from Credit Approved → QC → NACH → Agreement → Disbursement.
· Track pending cases and ageing at each operational stage.
· Prepare disbursement MIS and reconcile system data with lender/disbursement reports.
· Maintain NACH, agreement, documentation, and QC pendency MIS.
· Identify operational bottlenecks and highlight long-pending cases to concerned teams.
· Ensure data accuracy across LOS/LMS and operational MIS. Key Controls
· No loan is disbursed without proper credit approval.




· All sanction conditions and deviations are complied with before disbursement.
· Customer/vendor bank details are independently verified.
· Loan agreement and system data match the approved sanction.
· Required NACH/e-mandate and documentation are completed as per applicable process.
· Any discrepancy identified during QC is resolved before disbursement.
· Complete audit trail and supporting documentation are maintained for every disbursed case. Candidate Profile
·

Education:
Graduate/Postgraduate in Commerce, Finance, Business Administration, or a related discipline.
·

Experience:
1–4 years in Credit Operations, Loan Operations, Disbursement Operations, Banking Operations, or NBFC/Fintech Operations.
· Candidates with experience in Retail Loans, Agri Loans, Dairy Loans, Microfinance, MSME Loans, or Rural Lending will be preferred. Required Skills
· Good understanding of loan processing and post-sanction operations.
· Experience with NACH/e-NACH/e-mandate processes.
· Understanding of loan agreements and disbursement documentation.
· Strong attention to detail and ability to perform case-level QC.
· Good knowledge of Excel, including VLOOKUP/XLOOKUP, Pivot Tables, and basic MIS reporting.
· Ability to reconcile large volumes of loan-level data.
· Solid follow-up and coordination skills.
· Ability to manage high case volumes within defined TAT.
· Good written and verbal communication skills.
· Understanding of LOS/LMS systems will be preferred. Key Performance Indicators (KPIs)
· QC Accuracy
· Operations TAT
· NACH Registration Success Rate
· Agreement Completion TAT
· Disbursement TAT
· Zero Wrong/Incorrect Disbursement
· Documentation Accuracy
· MIS Accuracy & Timeliness
· Pending Case Ageing
· Audit / QC Observations

📌 Operations Analyst (Ahmedabad)
🏢 Credin
📍 Ahmedabad