Credit Operations Manager

Bhanix; Mumbai; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

Bhanix in Mumbai is seeking an experienced Credit Operations Manager to lead the day-to-day credit operations in a fast-paced fintech environment. You will oversee KYC, CCP, credit processing, documentation, and disbursement support, ensuring accuracy within defined TAT and SLA while building a culture of accountability and quality.

The role emphasizes team leadership, MIS and dashboard management, and advanced Excel for data analysis.

Qualifications

• Graduation in any discipline is mandatory.
• 4–10 years of relevant fintech/credit operations experience.
• Strong MS Excel, data analysis and MIS/reporting skills.
• Experience in KYC/CDP processes is a plus.
• Excellent communication and stakeholder management.

Responsibilities

• Oversee end-to-end Credit Operations including KYC, CCP, processing and disbursement support.
• Ensure adherence to SLAs and SOPs with defined TAT.
• Manage team workload, performance, and escalations.
• Drive MIS and dashboard reporting with Excel.
• Identify process gaps and drive continuous improvements.
• Coordinate with cross-functional stakeholders across teams.

Skills

Team management

Data analysis

Dashboard management

Communication

Education

Graduation in any discipline

Tools

MS Excel

Pivot Tables

VLOOKUP/XLOOKUP

Job description

Role Overview

We are looking for an experienced Credit Operations Manager to manage and oversee the day-to-day operations of the Credit Operations in a fast-paced fintech environment. The role will be responsible for managing teams handling KYC, VKYC, CCP, credit processing, documentation, and related credit operations activities. The candidate should have a good understanding of the credit lifecycle and basic credit underwriting concepts, although hands-on underwriting experience is not mandatory. The candidate should be strong in team management, operational controls, MIS preparation, dashboard management, data analysis, and Advanced MS Excel.

Key Responsibilities

1. Credit Operations Management

• Manage end-to-end Credit Operations activities covering KYC, CCP, credit processing, documentation, and disbursement support.


• Ensure applications are processed accurately within defined TAT and SLA.


• Monitor daily volumes, pending cases, ageing, rejections, deviations, and operational performance.


• Ensure adherence to defined SOPs, processes, and internal controls.


• Identify process gaps and implement corrective actions.


• Coordinate with Business, Credit, Risk, Compliance, Product, Technology, and other stakeholders.

2. Team Management

• Lead and manage the Credit Operations team.


• Allocate workloads and ensure optimum utilization of team resources.


• Monitor individual and team-level productivity, quality, and TAT.


• Conduct regular performance reviews and provide coaching and feedback.


• Handle escalations and ensure timely resolution of operational issues.


• Build a strong culture of accountability, quality, and process adherence.

3. KYC & Credit Process Management

• Ensure proper execution of KYC and customer verification processes as per defined guidelines.


• Monitor documentation quality and identify discrepancies.


• Ensure adherence to internal policies, SOPs, and compliance requirements.


• Understand the overall credit lifecycle, including credit assessment and basic underwriting principles.


• Coordinate with Credit/Underwriting teams on cases requiring clarification or exception handling.

Note

Hands-on Credit Underwriting experience is not mandatory, but a good working understanding of underwriting concepts and credit processes is expected.

4. MIS & Dashboard Management

• Prepare and maintain daily, weekly, and monthly MIS reports and operational dashboards using MS Excel.


• Provide meaningful insights to management based on operational data.


• Ensure accuracy and timely submission of MIS reports.


• Improve existing Excel-based MIS formats and reporting processes.

5. Advanced Excel & Data Analysis

• Should have strong hands-on experience in MS Excel.


• Ability to work with large datasets and prepare management-ready MIS and dashboards.


• Good knowledge of Pivot Tables, VLOOKUP/XLOOKUP, IF formulas, SUMIFS/COUNTIFS, conditional formatting, data validation, filters, sorting, and basic data analysis.


• Ability to identify trends, exceptions, bottlenecks, and productivity gaps from operational data.

6. Process Improvement

• Identify operational bottlenecks and recommend process improvements.


• Develop and maintain SOPs, process checklists, and workflow documentation.


• Drive initiatives to improve TAT, productivity, quality, and customer experience.


• Work with relevant teams to streamline and improve digital lending processes.

Required Experience & Skills

• 4–10 years of relevant experience, preferably in Fintech, Digital Lending, NBFC, Banking, or Financial Services.


• Strong experience in Credit Operations / Loan Operations.


• Good understanding of KYC, CCP, credit processing, documentation, and the overall credit lifecycle.


• Good conceptual understanding of Credit Underwriting; hands-on underwriting experience is not mandatory.


• Proven experience in team management and people handling.


• Strong MS Excel skills with hands-on experience in MIS and dashboard preparation.


• Good analytical and problem-solving ability.


• Strong understanding of TAT, SLA, productivity, quality, and operational controls.


• Good communication and stakeholder-management skills.


• Ability to work in a fast-paced fintech environment.

Qualification

• Mandatory: Graduation in any discipline.