R&R_ Lending Operations – Associate / Senior Associate – Bangalore

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

Job summary

PwC India Acceleration Center in Bengaluru invites qualified professionals for a Lending Operations Associate/Senior Associate role. You will support regulatory risk compliance, loan servicing processes, and reporting within a multi-disciplinary Risk and Compliance practice.

The role emphasizes adherence to regulatory requirements such as Reg E, Reg Z, and FDCPA, along with data-driven problem solving and collaboration with global teams across Advisory, Assurance, Tax, and Business Services.

Qualifications

• Bachelor's degree required.
• 3+ years of experience in banking/financial services operations or BPO.
• Familiarity with U.S. consumer banking regulations (Reg E, Reg Z, FDCPA, FCRA) is preferred.

Responsibilities

• Support lending operations and regulatory risk compliance activities across loan servicing processes.
• Assist with delinquency, collections-adjacent tasks, and dispute resolution workflows.
• Flag potential fair-lending or disparate-treatment concerns to compliance escalation.

Skills

English fluency

Attention to detail

Regulatory knowledge

Education

Bachelor's degree

Job description

The Opportunity

Join our Acceleration Center India and help shape the future of business for our diverse client portfolio across geographies and jurisdictions. You’ll work at the heart of global teams across Advisory, Assurance, Tax and Business Services—solving real client challenges through connected collaboration. We’ll help you grow your skills so you can go further. With hands‑on learning, cutting‑edge tools and an inclusive culture, this is your opportunity to do inspiring work that makes a difference—every day.

As a Lending Operations Associate / Senior Associate you will support regulatory risk compliance work within our Risk and Compliance practice, helping clients navigate loan‑related processes, controls, and reporting needs. As a Senior Associate you will analyze complex situations, manage assigned workstreams, build meaningful client connections, and guide junior team members while maintaining professional and technical standards. In this role at PwC, you will contribute to lending operations activities that support anti‑money laundering and sanctions managed services, use data and problem‑solving skills to address exceptions, and help develop practical solutions in a changing regulatory environment.

Responsibilities

• 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.
• Required Knowledge & Skills

Regulatory Foundation - Working knowledge of Regulation E (error resolution, provisional credit), NACHA/ACH rules and return codes, and baseline familiarity with Regulation Z consumer lending, FCRA, FDCPA.

Banking Domain- Understanding of deposit account lifecycle, ACH processing, card operations fundamentals, and basic lending servicing concepts (payment application, delinquency aging).

Systems Aptitude- Ability to learn and operate multiple case‑management and core banking interfaces accurately; comfortable following structured runbooks and decision trees.

Attention to Detail- High accuracy in data entry and categorization — errors in complaint categorization or closure type selection carry direct regulatory exam risk.

Escalation Judgment- Able to recognize when an item falls outside standing authority and route it promptly rather than attempting resolution beyond scope.

Written Communication- Clear, professional written English for case notes, correspondence, and internal escalation summaries.

Qualifications & Experience

• Prior BPO or shared‑services experience in banking, fintech, or financial services operations preferred; direct experience with deposit or lending servicing is a strong plus.
• Familiarity with U.S. consumer banking regulatory environment (Reg E, Reg Z, FDCPA, FCRA, NACHA) preferred; will be trained if not already proficient.
• Demonstrated ability to work within strict procedural and compliance boundaries — this is not a discretionary/judgment‑heavy role at the associate level.
• English fluency (written and verbal) sufficient for case documentation and internal escalation communication.

What You Must Have

• At least a Bachelor's degree
• At least 3 years of experience
• Oral and written proficiency in English required

What Sets You Apart

• Demonstrating lending operations experience in regulated environments
• Building client connections across AML and sanctions services
• Applying data analysis to identify compliance trends and gaps
• Interpreting regulatory requirements for lending workflows and controls
• Supporting investigations, KYC execution, and reporting activities; and
• Guiding junior team members through complex case handling