Loan Operations Officer

TeamLease; Ahmedabad District, Chennai District; On-site; INR 300,000 - 520,000; Full time

Job summary

TeamLease in India is seeking a Loan Operations executive with 1-2 years of experience in loan or banking operations. You will support processing, documentation, disbursement, post-disbursement tracking, and customer servicing while ensuring accuracy and adherence to guidelines.

The role collaborates with Credit, Sales, Legal, and Technical teams, handles KYC checks, prepares MIS, and maintains original document custody to support audits and compliance.

Qualifications

• 1–2 years of experience in loan operations or banking operations.
• Knowledge of KYC and credit processing basics.
• Graduate in commerce or finance with attention to accuracy.

Responsibilities

• Handle pre-disbursement documentation and KYC checks.
• Support disbursement activities and checklist compliance.
• Coordinate post-disbursement activities and cheque handling.
• Maintain documentation, MIS reports, and original document custody.
• Assist vendor onboarding and empanelment activities.
• Support audit requirements and policy adherence.

Skills

Communication skills

Coordination

Attention to detail

MS Excel

MIS reporting

Education

Graduate in Commerce / Management / Banking / Finance

Banking/finance certifications (advantage)

Job description

Experience : 1 to 2 Years of experience in Loan Operations, Banking Operations, or MSME Lending.

Reporting To : Manager - Operations

Role Purpose : To support and execute operational activities related to loan processing, documentation, disbursement, post-disbursement tracking, compliance, and customer servicing while ensuring accuracy and adherence to process guidelines.

Key Responsibilities

Pre-Disbursement Support

• Prepare and update CAM-related data and documentation.
• Verify customer documents like KYCs, customer income documents before credit processing.
• Coordinate with Credit, Sales, Legal, and Technical teams.

Disbursement Activities

• Verification of disbursal documents as per prescribed checklist and follow up for NDC resolutions.
• Ensure completion of disbursement documentation and checklists.
• Support smooth and timely loan disbursements.

Post-Disbursement Activities

• Execute payment maker activities as per process guidelines.
• Coordinate cheque printing and maintain cheque handover records.
• Update realization status in operational systems.

Documentation & MIS

• Track OTC and PDD documents and follow up with stakeholders.
• Maintain BT document tracker and publish periodic MIS.
• Ensure proper filing and record management.

Original Document Management

• Maintain storage, retrieval, and reconciliation records for original documents.
• Coordinate with custodians and branches for document movement.

Compliance & Audit Support

• Support audit requirements and provide documentation as required.
• Ensure adherence to operational policies and procedures.

Vendor Coordination

• Support DSA vendor onboarding and empanelment activities.
• Maintain vendor records and compliance documentation.

Required Skills & Competencies

• Good communication and coordination skills.
• Strong attention to detail and documentation management.
• Ability to manage multiple tasks and timelines.
• Working knowledge of MS Excel and MIS reporting.

Educational Qualification

• Graduate in Commerce, Management, Banking, Finance, or related discipline.
• Relevant banking/finance certifications will be an added advantage.

Preferred Industry Background

• NBFCs
• Housing Finance Companies
• Banks
• MSME Lending Organizations