Role Purpose

Manage the Bank's end-to-end Co-Lending operations across customer onboarding, CIF creation, loan booking, disbursement, escrow and settlement, collections servicing, reconciliation, portfolio monitoring and loan closure. The role will coordinate with Co-Lending Partners, PSP, Business, Credit, Finance, IT, Compliance and Operations teams to ensure accurate, timely and controlled execution.

Key Responsibilities

· Manage daily Co-Lending operations from customer onboarding through servicing and closure.

· Oversee KYC validation, customer deduplication, ETB/NTB checks, CIF creation or reuse, and onboarding exceptions.

· Monitor loan booking, contribution funding, disbursement processing and transaction-status confirmation across Yubi and Bank systems.

· Control escrow operations, partner and Bank share settlements, UTR tracking, and transaction-level reconciliation.

· Ensure accurate repayment allocation and posting, including regular EMI, shortfall, delayed payment, advance payment, prepayment and foreclosure scenarios.

· Coordinate account closure, NOC issuance, bureau closure updates and servicing-related exceptions.

· Monitor DPD, asset-classification inputs, delinquency data, provisioning support data and portfolio exceptions.

· Act as the Operations SPOC for Co-Lending Partners and Yubi; track incidents, ageing, SLAs and corrective actions.

· Prepare operational MIS and dashboards covering onboarding, disbursement, collections, reconciliation, exceptions, TAT and service quality.

· Support BRD/FSD review, UAT, production implementation, audit, regulatory reviews and continuous process improvement.

Candidate Profile

Success Measures

· Accurate and timely customer onboarding, booking and disbursement

· Timely closure of reconciliation and settlement breaks

· Correct collection posting and loan-servicing execution

· Adherence to operational SLAs, regulatory requirements and internal controls

· Minimal audit exceptions and effective closure of operational issues