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

1. 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.

1. 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.

· Positive knowledge of Excel, including VLOOKUP/XLOOKUP, Pivot Tables, and basic MIS reporting.

· Ability to reconcile large volumes of loan-level data.

· Strong 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 (Noida)
🏢 Credin
📍 Noida