Retail Operations Consultant

Educational Qualifications:

Graduate/postgraduate (B.Com, M.Com, MBAfinance preferred)

Experience : 0-2 years

Notice period : Immediate/Short joiners (Serving np)

Note :

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. You’ll 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:

0–2 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 literacy—P&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 You’ll Love It

Get visibility into the entire retail lending process, from loan origination to accounting and compliance.