Own the end-to-end SCF loan lifecycle—from login & eligibility (CIC/KYC) through CAM-lite
preparation, documentation, disbursal, servicing (invoices/limits, NACH/cheques), MIS, credit
bureau furnishing, and regulatory reporting. Partner closely with Business, Credit, Legal,
Treasury, Tech, and external vendors to deliver accurate, compliant, and timely outcomes.
Key Responsibilities
A) Intake, Eligibility & Documentation Readiness

• Login & completeness: Receive application packs from Sales/Originations; validate

against a login checklist (KYC, financials, bank statements, GST, anchor/vendor docs,
board resolutions/undertakings, collateral/comforts as applicable).

• Eligibility screening: Pull and review credit bureau (CIBIL/CRIF/Experian/Equifax) for

borrowers/guarantors; run KYC/AML/PEP/sanctions checks (incl. CKYC where
applicable); flag deviations/negative matches.

• CAM-lite: Prepare a concise preliminary CAM (business overview, banking summary,

bureau highlights, checklist status, deviations) and forward to the Credit team for
underwriting; track clarifications to closure.
B) Documentation & Execution

• Draft/issue Sanction Letters, Facility Agreements, ancillary undertakings; ensure correct

state stamp duty/e-stamp and templates.

• Coordinate e-sign execution (Legality/Aadhaar or platform of choice) and e-NACH

mandate setup; ensure readiness of bank/NPCI files.

• Create master data in LMS (limits, pricing, tenors, schedules, anchor/vendor linkages).

C) Disbursals & Settlements

• Validate disbursal documentation; check invoice eligibility against approved limits,

pricing, tenor, anchor/vendor criteria.

• Execute disbursals within TAT; reconcile bank postings; ensure correct vendor/dealer

payouts and anchor settlements.

• Maintain accurate digital archiving and indexing in the Document Management System

(DMS).
D) Servicing, Collections & Cash Application

• Post-disbursal servicing: process incoming invoices; monitor limit utilisation, due dates,

and exceptions.

• Manage NACH life-cycle (first presentations, re-presentations, returns, success files);

reconcile with LMS and bank statements.

• Cheque/CTS handling (where applicable): schedule cheque presentations for

principal/interest, track returns, and coordinate re-presentations/alternate
arrangements.
E) Reporting (MIS, Bureau, Regulatory)

• Produce MIS and dashboards: disbursals, utilisation, bucket/DPD ageing, overdue,

anchor exposure, exceptions.

• Credit Bureau (CIC) furnishing: timely monthly reporting/updates (status codes,

closures), dispute handling, accuracy controls.

• Support regulatory reporting with Compliance (e.g., applicable NBFC/RBI returns),

CKYCR, and CERSAI filings where security is involved; maintain audit-ready trails.
F) Risk, Controls & Stakeholder Management

• Enforce ops checklists/SOPs; manage exceptions & deviations with documented

approvals; drive SLA/TAT adherence.

• Support internal/external audits; close observations and strengthen controls.
• Coordinate with Business (anchor/vendor onboarding), Credit (terms/conditions),

Legal (documentation) and Tech/LMS (workflow fixes); guide anchors/vendors on
documentation and repayments.

Must-Have Skills & Experience

• 5–7 years in Supply Chain Finance loan operations at an NBFC/Bank/Fintech, covering

both pre- and post-disbursal.

• Hands-on with bureau pulls & interpretation, KYC/AML/PEP screening, e-sign/e-stamp,

e-NACH setup and file operations, LMS transactions, and DMS archiving.

• Strong Excel (Pivots, Lookups), reconciliation discipline, comfort with bank/NPCI file

formats.

• Familiar with GST portal / e-invoice (IRN) verification and anchor/vendor program

nuances.

• Excellent data entry accuracy and data interpretation skills.

Soft Skills:

• Detail-oriented with high accuracy.
• Strong follow-through and sense of ownership.
• Ability to multitask and work under tight timelines.
• Effective communication and cross-functional collaboration skills.