Senior AGM - Operations

Vayura Hr And Advisors; Chennai District; On-site; INR 4,500,000 - 7,500,000; Full time

Job summary

Vayura HR And Advisors in Tamil Nadu, Chennai invites applications for a Senior AGM - Operations, Central Processing Unit. This role leads a centralised retail lending operations and processing function that supports a large, distributed branch network, owning regulatory compliance and execution discipline across the loan lifecycle.

Responsibilities include leading centralised processing, managing login-to-disbursement TAT, coordinating with Operations, Credit, Sales, Risk and Technology, and

Qualifications

• MBA or postgraduate qualification with NBFC experience.
• Experience leading large centralised retail lending operations.
• Strong knowledge of regulatory reporting and RBI processes.

Responsibilities

• Lead centralised retail lending operations across locations.
• Own workflow from login through disbursement and post-disbursement activities.
• Monitor TAT, queues and productivity; drive process excellence.
• Coordinate with Operations, Credit, Sales, Risk, Technology.
• Support RBI inspections, audits and regulatory reporting.

Skills

Centralized operations

Stakeholder management

Process optimization

Regulatory compliance

Education

MBA or Postgraduate qualification

Tools

Power BI

Tableau

Job description

Job Description / Responsibilities

Senior AGM - Operations, Central Processing Unit. This position leads a centralised retail lending operations and processing function that supports a large, distributed branch network. It owns operational control, turnaround time, processing quality, regulatory compliance and execution discipline across the loan lifecycle.

Centralised Processing and Operations

• Lead centralised processing operations for retail lending businesses across multiple locations.
• Own the workflow from login through processing, documentation, sanction-condition fulfilment, disbursement, booking and post-disbursement activities.
• Monitor daily login-to-disbursement TAT, booking TAT, pending queues and productivity per officer and per team.
• Coordinate between Operations, Credit, Sales, Risk, Technology and other stakeholders.
• Act as the senior operational escalation point for complex cases and process exceptions.

Documentation and Quality Control

• Drive documentation accuracy, deviation management and exception control.
• Run maker-checker controls and pre-disbursement checks.
• Hold adherence to SOPs, process controls and sanction conditions.
• Monitor documentation error rates and remove repeat operational errors.
• Deliver zero repeat audit observations through root-cause analysis and corrective action.

Post-Disbursement and PDD

• Own monitoring and ageing of Post Disbursement Documents.
• Track pending RC, invoice, insurance, hypothecation endorsement and other asset documentation.
• Close PDD pendency within defined TAT.
• Run escalation for ageing and critical documentation gaps.

Regulatory and Compliance Operations

• Own and coordinate statutory and regulatory operational reporting.
• Submit CIC reporting, CKYCR reporting and applicable RBI returns within timelines.
• Support RBI inspections, regulatory reviews and internal and external audits.
• Hold adherence to regulatory, compliance and operational control frameworks.

MIS, Analytics and Governance

• Prepare and present operational MIS and management dashboards to senior leadership.
• Track TAT, productivity, pendency, quality, deviations, exceptions and PDD ageing.
• Use Power BI, Tableau or equivalent tools for reporting and decision support.
• Run structured reviews for performance, productivity and operational risk.

Digital and Process Excellence

• Drive automation and digitisation of retail lending operations.
• Work with eNACH, eSign, OCR, RPA, LOS and LMS automation and paperless processing.
• Find manual intervention points and redesign processes for TAT, accuracy and scale.
• Apply Lean, Six Sigma, Kaizen and process excellence methods.

People and Scale

• Lead and develop a large operations and processing organisation.
• Set productivity standards, performance management and capability-building.
• Manage teams across multiple locations and processing units.
• Build a culture of process discipline, accountability and control.

Desired Profile

• A senior BFSI and NBFC operations professional who has run centralised retail lending operations at scale.
• 15 to 23 years of experience, in NBFCs, retail asset banking or large retail lending organisations.
• Experience in Central Operations, Central Processing, CPU, Retail Asset Operations or Loan Processing.
• Experience managing large processing and operations teams, 100 plus preferred, or an equivalent large operating structure.
• Experience supporting multiple branches, locations, regions or a pan-India retail lending network.
• Command of the retail lending lifecycle from login to disbursement, booking and PDD.
• Hands-on with disbursement TAT, booking TAT, documentation, deviations, exceptions and PDD ageing.
• Exposure to RC, invoice, insurance and hypothecation documentation in asset and vehicle finance environments.
• Experience with regulatory reporting, RBI inspections, audits and compliance governance.
• Grounding in SOP, maker-checker, process control and operational risk.
• Experience in process automation, digital lending operations and operational transformation.
• Exposure to Lean, Six Sigma, Kaizen or equivalent methods.
• Stakeholder management across Operations, Credit, Risk, Sales, Technology and senior management.
• MBA or Postgraduate qualification preferred.
• This is a centralised national operations mandate. Profiles limited to branch operations, regional operations, area operations, cluster operations, sales operations, collections, credit underwriting or internal audit, without central lending-processing ownership, are not suitable.

Education Qualification

MBA or Postgraduate preferred. A relevant postgraduate qualification with substantial NBFC operations experience is also considered.