Lending Operations Associate - PwC Bangalore

PwC; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

PwC in Bengaluru seeks a dedicated professional to support lending operations and credit servicing. The role covers processing servicing transactions, early/unlock requests, and account-level research to resolve disputes and remediate customer issues.

The candidate will assist with delinquency-adjacent tasks, including past-due queue management, aging-bucket reviews, and compliance-related credit reporting investigations, with escalation for fair-lending concerns as needed.

Responsibilities

• Process routine servicing transactions for lending-adjacent products (e.g., Credit Builder, secured lines) — payment application & research, account status updates, and payoff/closure requests.
• Support Early Unlock and early-cancellation request intake, applying documented eligibility rules and escalating ambiguous cases.
• Conduct account level research and operational analysis to support dispute resolution and customer remediation activities
• Perform back-office queue management for past-due accounts: assist with operational activities related to payment arrangements, hardship programs, generate standard correspondence, and update account notes per the collections workflow — no direct collections calling unless explicitly scoped and licensed.
• Support negative-balance and write-off-risk account reviews, applying the defined aging-bucket criteria (e.g., 61–90 day, 120+ day high-risk cohort) to route accounts for further action.
• Assist with operational activities related to customer disputes, tradeline inquires, account corrections, and servicing related credit reporting investigations
• Flag potential fair-lending or disparate-treatment concerns (e.g., inconsistent application of incentives or terms across customer segments) to the compliance escalation path rather than resolving independently.

Job description

Core Responsibilities Lending Operations

Loan & Credit Product Servicing

• Process routine servicing transactions for lending-adjacent products (e.g., Credit Builder, secured lines) — payment application & research, account status updates, and payoff/closure requests.
• Support Early Unlock and early-cancellation request intake, applying documented eligibility rules and escalating ambiguous cases.
• Conduct account level research and operational analysis to support dispute resolution and customer remediation activities

Delinquency & Collections-Adjacent Support

• Perform back-office queue management for past-due accounts: assist with operational activities related to payment arrangements, hardship programs, generate standard correspondence, and update account notes per the collections workflow — no direct collections calling unless explicitly scoped and licensed.
• Support negative-balance and write-off-risk account reviews, applying the defined aging-bucket criteria (e.g., 61–90 day, 120+ day high-risk cohort) to route accounts for further action.

Reg Z & Consumer Lending Compliance Support

• Assist with operational activities related to customer disputes, tradeline inquires, account corrections, and servicing related credit reporting investigations
• Flag potential fair-lending or disparate-treatment concerns (e.g., inconsistent application of incentives or terms across customer segments) to the compliance escalation path rather than resolving independently.