Operations Executive

Grayquest Finance; Mumbai City; Hybrid; INR 600,000 - 900,000; Full time

Job summary

Grayquest Finance is seeking a details-oriented operations professional in Mumbai to manage end-to-end loan processes with a strong focus on KYC, compliance, and NACH/Near-hosted services. You will ensure proper disbursement checks, monitor lifecycle stages, and drive process improvements using AI tools.

The role requires 2–3 years in fintech/NBFC operations, solid Excel/Sheets skills, and willingness to work shifts including Sundays.

Qualifications

• 2–3 years experience in fintech, NBFC, Banking, or ecommerce ops.
• Knowledge of KYC norms, loan processing, and NACH/eNACH.
• Proficient in MS Excel/Google Sheets.
• Strong problem-solving, communication and coordination skills.
• Willingness to work in shifts, Sundays or holidays.

Responsibilities

• Manage end-to-end processes including KYC, NACH, Institute, and Lender.
• Verify compliance requirements (PAN, KYC, agreements, mandates) before loan disbursement.
• Ensure cases move through defined stages in the loan lifecycle.
• Handle escalations and resolve operational queries within defined TAT.
• Conduct pre-disbursal checks to ensure KYC, payments, NACH mandates, and agreements are in place.
• Adhere to regulatory norms, lender policies, and internal SOPs.
• Identify and elevate discrepancies or policy deviations.
• Monitor downpayments and refunds.
• Suggest process improvements and support automation/system enhancements.
• Identify bottlenecks and collaborate with tech/product teams to streamline workflows.
• Leverage AI tools to speed up reporting, error-checking, and documentation.

Skills

KYC Compliance

Process Improvement

Communication

AI Tools

Analytical Thinking

Tools

MS Excel

Google Sheets

ChatGPT

Claude

Job description

Key Responsibilities

Compliance & Operational Excellence

• Manage end-to-end processes including KYC, NACH, Institute, and Lender.
• Verify compliance requirements (PAN, KYC, agreements, mandates) before loan disbursement.
• Ensure cases move seamlessly through defined stages in the loan lifecycle.
• Handle escalations & resolve operational queries within defined TAT.
• Conduct pre-disbursal checks to ensure KYC, payments, NACH mandates, and agreements are in place.
• Ensure strict adherence to regulatory norms, lender policies, and internal SOPs.
• Identify and elevate discrepancies, or policy deviations.
• Monitor downpayment and refunds.

Reporting & Process Improvements

• Suggest process improvements and support automation/system enhancement initiatives.
• Identify operational bottlenecks and collaborate with tech/product teams to streamline workflows.
• Leverage AI tools to speed up reporting, error-checking, and documentation, and recommend opportunities to apply AI/automation within operational workflows.

People & Coordination

• Coordinate with interns/subordinates to ensure smooth execution at the workfront.
• Communicate and align with internal teams for process consistency.
• Contribute as a strong team player while supporting leadership and organizational goals.

Key Competencies

• Analytical Thinking: Ability to assess gaps, identify risks, and resolve operational issues.
• Process Orientation: Strong focus on accuracy, compliance, and SOP adherence.
• Collaboration: Ability to work effectively with internal teams and external stakeholders.
• Adaptability: Manage high volumes efficiently in a dynamic fintech/banking environment.
• Tech & AI Savviness: Comfortable adopting new AI tools and technology to improve accuracy and efficiency in daily operations.

Skills

• Experience: 2-3 years in Fintech, NBFC, Banking, or E-commerce operations.
• Strong knowledge of financial products, KYC norms, loan processing, and NACH/eNACH.
• Advanced proficiency in MS Excel/Google Sheets.
• Excellent problem-solving, communication, and coordination skills.
• Leadership & organizational abilities with flexibility to work in shifts, Sundays, or holidays.
• AI Knowledge & Tools: Working knowledge of AI concepts and hands-on experience using AI tools (e.g., ChatGPT, Claude, Copilot, or similar) to support day-to-day tasks such as data checks, drafting, summarization, and process automation.
• AI Application: Ability to write effective prompts, evaluate AI-generated output for accuracy, and apply AI responsibly within compliance and data-sensitivity guidelines.

What We Offer

• Opportunity to be part of a fast-growing fintech.
• Exposure to end-to-end financial operations.
• A collaborative work culture with career growth opportunities.