Manager / Assistant Manager – Digital LAMF Business & Operations

1. Job Summary

Chinmay Finlease Limited is looking for a dynamic, result-oriented professional to manage and grow its Digital Loan Against Mutual Funds (LAMF) business. The candidate will be responsible for driving lead generation, customer acquisition, business development, channel partner relationships and end-to-end digital lending operations.

The role involves managing the complete digital loan lifecycle, including customer onboarding, mutual fund portfolio verification, digital lien marking, loan disbursement, collateral monitoring, repayment management and customer servicing.

The ideal candidate should possess a combination of business development capabilities, digital lending operations experience and a strong understanding of mutual fund-backed lending.

1. Key Roles & Responsibilities

A. Lead Generation & Business Development
- Drive lead generation and customer acquisition for the Digital LAMF business.
- Identify business opportunities through mutual fund distributors (MFDs), independent financial advisors (IFAs), wealth management companies, fintech platforms and financial intermediaries.
- Develop and maintain relationships with channel partners to generate consistent business leads.
- Coordinate with Marketing teams for digital campaigns, referral programs and customer acquisition strategies.
- Manage the lead funnel from sourcing to loan disbursement.
- Identify new sourcing channels and strategic partnership opportunities.
- Achieve monthly lead generation, customer acquisition and loan disbursement targets.
- Monitor lead quality, conversion rates, customer acquisition costs and channel-wise performance.

B. End-to-End Digital Loan Operations
- Independently manage the complete Digital LAMF loan lifecycle from application to closure.
- Monitor digital onboarding, KYC, mutual fund portfolio verification and loan eligibility.
- Ensure seamless digital documentation, e-signing, sanction and loan disbursement.
- Track application processing and resolve operational exceptions.
- Ensure timely processing of loans within defined turnaround times (TATs).
- Coordinate with Credit, Risk, Finance and Technology teams for smooth operations.
- Manage loan renewals, enhancements, repayments and closures.

C. Digital Lien Management
- Manage digital lien marking, modification and release of mutual fund units.
- Coordinate with CAMS, KFin Technologies, AMCs and technology partners.
- Monitor lien marking success rates and resolve pending or failed transactions.
- Ensure successful lien confirmation before loan disbursement.
- Handle partial lien releases, additional collateral marking and closure-related lien releases.

D. Collateral & Portfolio Risk Monitoring
- Monitor daily NAV movements and pledged mutual fund valuations.
- Track Loan-to-Value (LTV) ratios through automated monitoring systems.
- Identify margin shortfalls,



LTV breaches and collateral-related risks.
- Coordinate margin calls, additional collateral requests and partial repayments.
- Work with Risk and Collections teams for timely resolution of overdue and margin-deficient accounts.
- Ensure adherence to approved collateral and risk management policies.

E. Digital Disbursement & Repayment Operations
- Coordinate with Finance and Banking teams for timely digital disbursements.
- Ensure accurate loan booking in the Loan Management System (LMS).
- Monitor interest calculations, repayment schedules and outstanding balances.
- Handle payment failures, reconciliation issues and repayment-related exceptions.
- Coordinate loan closure, settlement and timely lien release.

F. Technology & API Coordination
- Coordinate with internal Technology teams and external Digital LAMF platform providers.
- Monitor API integrations for mutual fund portfolio fetching, lien marking, NAV updates and loan processing.
- Identify system failures, API errors and digital customer journey drop-offs.
- Coordinate User Acceptance Testing (UAT), system enhancements and operational issue resolution.
- Recommend automation and process improvements to increase efficiency and scalability.

G. Channel Partner & Customer Relationship Management
- Build and maintain relationships with sourcing partners, fintech platforms and financial intermediaries.
- Support partner onboarding, training and operational coordination.
- Monitor partner-wise leads, conversions and disbursement performance.
- Resolve customer queries related to onboarding, disbursement, repayment and lien release.
- Manage customer escalations and ensure timely complaint resolution.
- Improve customer experience throughout the digital lending journey.

H. Compliance & Operational Risk Management
- Ensure adherence to applicable RBI guidelines, KYC/AML requirements and internal lending policies.
- Maintain accurate digital records, transaction logs and audit trails.
- Monitor operational risks, transaction exceptions and reconciliation discrepancies.
- Coordinate with Compliance, Risk and Internal Audit teams.
- Ensure timely resolution of audit observations and regulatory compliance issues.

I. MIS, Reporting & Business Performance
- Prepare daily, weekly and monthly Digital LAMF business and operations MIS.
- Track lead generation, customer acquisition, conversion rates and disbursement volumes.
- Monitor application approvals, rejection rates, processing TAT and digital journey performance.
- Track outstanding loan portfolio, LTV breaches, repayments and overdue accounts.




- Analyse sourcing channel performance and identify business improvement opportunities.
- Present business performance, operational challenges and growth opportunities to management.

1. Required Qualifications & Experience

Educational Qualifications
- Bachelor's degree in Commerce, Finance, Banking, Business Administration or related field.
- MBA in Finance or Marketing preferred.

Professional Experience
- 2–6 years of experience in fintech, NBFC, digital lending, secured lending or financial services.
- Prior experience in Digital Loan Against Mutual Funds (LAMF) or Loan Against Securities (LAS) preferred.
- Experience in lead generation, channel partner development and customer acquisition.
- Understanding of digital loan processing and mutual fund lien operations.
- Experience working with lending technology platforms and financial intermediaries.

1. Required Skills

- Strong business development and lead generation capabilities.
- Knowledge of mutual funds, NAV, LTV and lien marking processes.
- Understanding of digital lending operations and loan lifecycle management.
- Familiarity with CAMS, KFin Technologies and mutual fund lending infrastructure.
- Knowledge of Loan Origination Systems (LOS), Loan Management Systems (LMS) and API-based integrations.
- Strong Microsoft Excel, MIS reporting and analytical skills.
- Excellent communication, negotiation and stakeholder management abilities.
- Strong problem-solving and operational execution skills.
- Ability to independently manage business targets and day-to-day operations.

1. Preferred Candidate Profile

Candidates currently working with:
- Fintech companies offering Digital Loan Against Mutual Funds.
- NBFCs and banks providing Loan Against Mutual Funds or Loan Against Securities.
- Digital secured lending platforms.
- Wealth management companies and mutual fund distribution networks.
- Financial technology companies supporting digital lending and lien management.

Candidates with hands-on experience in both LAMF business sourcing and digital lending operations will be given preference.
1. Key Expectations from the Candidate

The selected candidate should be capable of:
- Independently managing and expanding the Digital LAMF business.
- Generating quality leads through multiple sourcing channels.
- Building productive channel partner relationships.
- Achieving monthly loan disbursement and business growth targets.
- Ensuring smooth digital onboarding, lien marking and disbursement.
- Managing collateral monitoring, repayments and operational risks.
- Coordinating with Technology, Risk, Finance and Compliance teams.
- Improving customer conversion, operational efficiency and portfolio quality.

Pay: ₹800,000.00 - ₹1,300,000.00 per year

Advantages

- Flexible schedule
- Health insurance
- Paid sick time
- Paid time off
- Provident Fund

Work Location: In person

📌 Manager - Loan Against Mutual Fund (Ahmedabad)
🏢 Chinmay Finlease
📍 Ahmedabad