VP/AVP Operations

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a senior professional to lead disbursement and billing for an NBFC, ensuring pre-disbursement checks, document reviews, and compliance with RBI/NBFC norms.

You will manage LMS data, cash flow validation, and MIS reporting while coordinating with credit, legal, and treasury teams. The role requires 12–16 years in NBFCs (min 8 in loan operations), strong LMS experience, and proficiency in financial documentation and invoicing.

Qualifications

• Graduate with professional qualification either MBA in Finance, CA, CMA or equivalent in Finance.
• 12-16 years total NBFC experience (min 8 years in loan/credit operations).
• Strong exposure to loan disbursement processes, including pre-disbursement checks and documentation review.
• Hands-on experience with LMS and other operational platforms.
• Experience in billing, invoicing, interest computation, and cash flow validation.
• Understanding of loan agreements, security structures, RBI/NBFC norms and internal policies.

Responsibilities

• Lead disbursement and billing functions of NBFC as per policies and agreements.
• Review borrowers agreements to verify PDCs and supporting documentation.
• Assess and confirm security status underlying loan agreements.
• Ensure compliance with internal guidelines, policies, and regulatory requirements.
• Review documents from cross functional teams and ensure alignment with disbursement requirements.
• Monitor preparation and generation of documents for remittances to borrowers.
• Maintain records of interest, spreads, and other terms in LMS.
• Generate and validate cash flow statements per facility agreements.
• Monitor billing activities and invoice accuracy.
• Support audits by providing required information timely.
• Contribute to process improvements and automation for productivity.
• Prepare MIS reports and analyze data and trends.
• Monitor key operational metrics and performance reports.
• Maintain audit-ready documentation and SOPs.
• Coordinate with cross functional teams for smooth operations.
• Communicate with stakeholders to resolve issues and drive initiatives.

Skills

Cross-functional collaboration

Analytical ability

Communication skills

MS Excel

MS PowerPoint

Education

MBA in Finance

Chartered Accountant (CA)

CMA

Tools

Loan Management System (LMS)

Job description

Role & responsibilities

Primary Job Duties/Responsibilities The key job duties/responsibilities are enumerated below:

• Lead disbursement and billing functions of NBFC company as per approved policies, systems and agreements.
• Review borrowers agreements to verify all pre-disbursement conditions (PDCs) and validate the supporting documentation submitted by borrowers
• Assess and confirm the security status underlying the loan agreements
• Ensure strict compliance with internal guidelines, policies, and regulatory requirements pertaining to disbursement activities
• Review documents shared by cross functional teams and ensure alignment with disbursement requirements
• Monitor the preparation and generation of documents required for recommending remittances to borrowers
• Ensure maintenance of accurate records of interest, spreads, and other commercial terms on the Loan Management System (LMS)
• Generate and validate cash flow statements in accordance with the respective facility agreements
• Monitor the billing activities in line with established internal processes
• Validate financial documents for generation of invoices with accuracy and compliance
• Support internal and external audits and inspections by ensuring timely provision of required information
• Contribute to process improvements and automation initiatives to enhance overall productivity and efficiency
• Prepare MIS reports and perform analysis of data and trends.
• Monitor key operational metrics and generate performance tracking reports
• Maintain accurate and updated data on the loan management system and other internal operational platforms Classification: Public
• Coordinate with cross functional teams to ensure smooth execution of operational activities
• Collaborate with leadership on strategic and operational initiatives
• Communicate effectively with internal and external stakeholders to ensure seamless workflow and issue resolution
• Represent the department in meetings and contribute to initiatives that enhance organizational productivity
• Ensure adherence to policies, regulations, quality standards
• Maintain audit ready documentation and SOPs
• Perform any other responsibilities assigned from time to time

Educational Qualifications

• Candidate should be a Graduate with professional qualification either a degree in Business Administration (MBA) specialising in Finance / CA / CMA or an equivalent degree in Finance.

Experience

• The candidate must have a minimum of at least 12 - 16 years of overall experience in a NBFC (Minimum size 3000 Crores) of which at least 8 years of experience in loan operations/credit operations.
• Strong exposure to loan disbursement processes, including pre-disbursement checks (PDCs) and documentation review.
• Hands-on experience with Loan Management Systems (LMS) and operational platforms
• Experience in billing, invoicing, interest computation, and cash flow validation
• Good understanding of loan agreements, security structures, and compliance requirements
• Exposure to regulatory guidelines (RBI/NBFC norms) and internal policy adherence
• Experience in handling MIS reporting, data analysis, and operational metrics tracking
• Ability to work with cross-functional teams (credit, legal, treasury, etc.)
• IT competence with proficiency in various IT tools/software application required for tracking sectoral credit and reporting of the same.
• Experience in building and leading teams Classification: Public

Proficiency in

• MS excel, MS PowerPoint and other analytical tools
• Should have ability to work in cross functional teams, should be highly committed and able to communicate clearly. Should have good oral and written communication skills