Retail Operations Consultant
- Kiya.ai
- 0 - 2 years
- Chennai
- 7 days ago
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Job Description
Educational Qualifications:
Graduate/postgraduate (B.Com, M.Com, MBAfinance preferred)
Experience : 0-2 years
Notice period : Immediate/Short joiners (Serving np)
Note : Only profiles that matches above criteria will be contacted further.
Role Overview
This function supports the endtoend flow of retail lending operationsincluding colending, supply chain finance, trade finance, and traditional loan products. It serves as a bridge between risk management, finance, technology partners, internal teams, and external lending partners. Youll be responsible for ensuring timely, accurate, compliant processing of transactions, documentation, disbursements, reconciliations, audits, and troubleshooting complex workflow issues
Key Responsibilities
CoLending & Disbursements
Liaise daily with lending originators/partners to manage disbursement schedules and ensure CoLending TAT compliance.
Coordinate with internal teams (finance, IT, MIS) to meet deadlines
System Administration & Enhancements
Use and maintain loan software; partner with tech vendors for updates, UX enhancements, user access controls, and system testing/UAT
Loan Processing & Escrow
Handle loan input, payoffs, escrows, draw requests, payment postings (NACH/NEFT/RTGS/IMPS/cheque/cash), and document management postdisbursement
Compliance, Controls & Risk
Liaise with audit/compliance teams; monitor CTQ/CTP metrics; manage operational risk and exceptions; proactively flag issues
Workflow & SOP Optimization
Review and update SOPs, checklists and operational workflows; conduct audits and training to embed procedural changes
Reporting & Documentation
Prepare monthly/quarterly MIS; communicate data to stakeholders (RBI, credit bureaus, management); maintain comprehensive records
Stakeholder Management
Interface with legal teams, originators, escrow bankers, internal teams (product, credit, IT, analytics); build trusted relationships
Required Skills & Experience
Hard Skills:
02 years experience in financial services (NBFC, bank, HFC, microfinance or fintech), focusing on retail/institutional lending, CoLending, supply chain finance, trade finance, etc.
Good financial literacyP&L statements, ratios, balance sheet analysis.
Knowledge of lending products (retail/B2B), colending structures, workingcapital, supplychain finance.
Strong MSOffice proficiency; analytical mindset; attention to detail
Soft Skills:
Excellent communication and stakeholder management.
High emotional intelligence; team player with crossfunctional collaboration.
Planning-oriented, with strong presentation capability.
Why Youll Love It
Get visibility into the entire retail lending process, from loan origination to accounting and compliance.
Job Classification
Industry: IT Services & ConsultingFunctional Area / Department: BFSI, Investments & TradingRole Category: Banking OperationsRole: Back Office ExecutiveEmployement Type: Full timeContact Details:
Company: Kiya.aiLocation(s): Chennai
Keyskills: retail lending co-lending fintech LMS loan management system HFC reconciliation system enhancements bank NBFC SOP MIS loan operations loan disbursement RBI compliance UAT testing
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