Credit Ops

About Us Jayshree Credit Services Pvt. Ltd. (brand: Kite Finance) is an RBI-registered NBFC offering business and working-capital loans and supply-chain finance to MSMEs and startups, helping fund their growth. Jayshree is a part of Karbon group- Karbon is a leading fintech company transforming how fast-growing Indian businesses manage their finances. Backed by over $35mn in Series A funding from global investors like Y Combinator, we provide comprehensive solutions across accounting, spend management, and financial operations. We are a startup that strives to make the entrepreneurial journey easier by handling the financial backend, so our clients can focus on building and making a difference. Job Summary: We are looking for a detail-oriented and proactive Credit Ops to support our lending operations and ensure timely collections from borrowers. The ideal candidate should have experience in loan operations, customer coordination, payment follow-ups, and MIS reporting. Key Responsibilities: Lending Operations Process loan disbursements and documentation. Verify customer documents and maintain accurate loan records in the LOS/LMS. Manage loan bookings, repayment schedules, and operational data. Coordinate with Credit, Finance, Sales, and Legal teams for seamless execution. Ensure compliance with internal policies and regulatory requirements. Collections Monitor repayment schedules and overdue accounts. Follow up with customers via calls, emails, and WhatsApp for collections. Negotiate repayment commitments and escalate delinquent accounts as required. Coordinate with collection agencies and maintain collection MIS and ageing reports. Operations Support Prepare operational and collection MIS reports. Reconcile collections with bank records. Resolve customer queries related to loan servicing and repayments. Identify process gaps and support operational improvements. Must-have competencies: Graduate in Commerce, Finance, Business Administration, or a related field. 1–3 years of experience in collections, loan operations, customer service, or lending operations in a bank, NBFC, fintech, or financial institution. Good communication and negotiation skills. Strong follow-up and customer handling abilities. Attention to detail and process orientation. Working knowledge of Microsoft Excel (Pivot Tables, VLOOKUP/XLOOKUP, basic formulas). Ability to manage multiple tasks and meet deadlines. Nice to have competencies: Exposure to business loans, invoice financing, supply chain finance, or MSME lending is preferred. Benefits Our Way of Life - The AiA Values C - Collaborate to Win We win together, not alone. We listen, challenge with care, and move as one team. Speed and success come from trust and cross-functional teamwork. E - Elevate the Bar "Good enough" isn't good enough at AiA. We push for world-class in everything we do. We learn fast, aim high, and turn feedback into fuel. O - Own It End-to-End We think like founders. We take full responsibility for outcomes-not just tasks. When things go wrong, we fix. No blame, no excuses-just impact. Perks & Benefits: Upskilling Policy - Access to tools, courses, and resources to stay ahead in content and AI workflows Team Outings - Offsites and outings to celebrate wins and build stronger bonds Flexible Work-from-Home - Up to 12 days remote every 6 months Menstrual WFH - Up to 3 days per month Mobility Benefits - Relocation and travel support Parental Support - Maternity, paternity, and adoption leave