Operations executive (unsecured lending)

Innopay · Bengaluru, India

Purpose of the Job

The Operations Executive will be the execution backbone for the unsecured lending business, managing both customer-facing (front-end) and process/system-facing (back-end) operations across the full loan lifecycle from application processing and onboarding through to disbursement, servicing, and closure.

Roles & Responsibilities

Loan Processing & Onboarding

• Process loan applications end-to-end: document collection, KYC/AML verification, data entry into LOS, and application status tracking

• Validate customer documents (identity, address, income proof) for completeness and authenticity; liaise with customers and sales teams for pending requirements

• Co-ordinate with the credit team for application movement, query resolution, and sanction communication

• Generate and dispatch sanction letters, loan agreements, and other customer-facing documents; obtain execution and maintain records

Disbursement Operations

• Execute pre-disbursement checks: document completeness, credit conditions, mandate registration (NACH/e-NACH), and system readiness

• Initiate and track disbursement transactions; co-ordinate with finance and banking teams to ensure accurate and timely credit to borrower accounts

• Maintain disbursement MIS and flag exceptions or discrepancies on the same day

Loan Servicing & Back-End Operations

• Handle post-disbursement servicing requests: EMI/repayment schedule queries, statement issuance, interest certificates, foreclosure/part-prepayment processing, and NOC issuance

• Monitor repayment inflows, reconcile collections against due amounts, and flag bounces or shortfalls to the collections team on a T+1 basis

• Process loan modifications, limit enhancements, and renewals as per approved credit decisions

• Maintain accurate and up-to-date records in the LMS; ensure data integrity across systems

Customer & Stakeholder Co-ordination

• Act as the first point of contact for customer operations queries; resolve or escalate within defined TATs

• Co-ordinate with internal teams (credit, technology, finance, compliance) and external partners (banking partners, bureau, NACH aggregators) to ensure smooth operations

• Support the collections team with data, documentation, and borrower communication as required

Compliance & Quality

• Ensure all operational activities comply with RBI guidelines on digital lending, KYC/AML norms, and internal credit and operations policies

• Participate in internal audits, concurrent audits, and regulatory reviews; prepare required data packs and resolve audit observations

• Identify process gaps, recurring errors, or TAT breaches and escalate with suggested solutions

MIS & Reporting

• Prepare daily/weekly/monthly operations MIS covering application funnel, processing TAT, disbursement tracker, bounce rates, and servicing request logs

• Support the Product and Credit teams with portfolio data as needed

Skills & Qualifications

• Graduate or Post Graduate with 1–4 years of operations experience in unsecured lending (personal loans, BNPL, consumer loans, or business loans) at an NBFC, fintech, or bank

• Hands-on experience with LOS and LMS platforms; familiarity with NACH/e-NACH, bureau pull, and digital KYC workflows is preferred

• Proficiency in MS Excel for MIS and reconciliation; exposure to SQL or data tools is an added advantage

• Strong attention to detail, process orientation, and ability to manage high transaction volumes within defined TATs

• Self-starter with the ability to manage multiple tasks simultaneously in a fast-paced environment

Interested candidates may also connect with us via email at or Whats App us at .