Head of Lending Operations (Sr. Director)
MobiKwik · Gurgaon
- Experience10–15 yrs
- SalaryDisclosed
- Work modeonsite
- Posted24 Sept 2026
About MobiKwik
MobiKwik is hiring in Gurgaon in financial services. This role looks for around 10+ years of experience.
Skills
- unsecured lending
- RBI regulations
- Digital Lending Guidelines
- Fair Practices Code
- outsourcing norms
- LOS/LMS platforms
- NACH
- UPI
- e-Mandate
- credit bureaus
- KYC
- e-Sign
- lending operations
- maker-checker controls
- lender reconciliation
- loan servicing
- collections operations
- AML/CFT
- CERSAI
- STR/CTR reporting
The role
A lending operations leader at a digital lending company builds and governs unsecured lending operations, including RBI regulations, LOS/LMS platforms, and NACH payment systems. The role also manages credit bureaus and KYC utilities while leading portfolio servicing and compliance operations.
Full job description
About the Role
We are looking for a seasoned Operations leader to build, scale, and own the entire lending operations function at MobiKwik. You will span underwriting support, disbursement, lender reconciliation, grievance redressal, compliance ops, and vendor/utility management — with robust maker-checker governance across our NBFC/LSP setup. This is a high-impact, high-ownership role reporting directly to the CEO.
Responsibilities
Manual Underwriting & Credit Admin — Supervise manual decisioning for policy exceptions; enforce maker-checker at file login, income verification, and sanction. Manage documentation, deviation matrices, and fraud-flag coordination with Risk.Lender Reconciliation — Own end-to-end recon (disbursals, EMIs, bounces, foreclosures, refunds) across NACH, PG, escrow, and bank statements. Close recon cycles within T+3; publish ageing MIS to leadership.Lender Coordination — Act as SPOC for lending partners on API uptime, disbursement TAT, portfolio reporting, co-lending tranche settlements, and audit/due-diligence readiness.Customer Grievances — Own the redressal framework per RBI Ombudsman Scheme & Fair Practices Code. Manage L1/L2/L3 escalation matrix, root-cause analysis, complaint register, and RBI CMS portal submissions.Maker-Checker & Process Governance — Design 4-eye controls for loan booking, disbursals, write-offs, refunds, and mandate registration. Enforce SoD, system-level audit trails, and periodic control testing.Micro-Utility Management — Manage CIBIL, Experian, Equifax, CRIF integrations; oversee KYC (CKYC, V-KYC, Digilocker), e-Sign/e-Stamp, NACH/E-Mandate, bank statement analysers, PAN/GST/ITR utilities. Track uptime, cost-per-txn, and DPDP compliance.Loan Servicing & Portfolio Ops — EMI scheduling, prepayment/foreclosure, rate resets, NOC issuance, insurance mapping, and account closure lifecycle.Collections Ops Support — Bounce management, NACH re-presentation, settlement processing, and RBI Digital Lending Guidelines compliance in collection practices.Regulatory & Compliance Ops — Support RBI return filings, CRILC submissions, KYC refresh, AML/CFT monitoring, CERSAI charge management, and STR/CTR reporting.Tech & Automation — Partner with Product/Tech to automate manual bottlenecks (auto-disbursal, auto-recon, rule-based UW); validate LOS/LMS enhancements pre-go-live.MIS, BCP & Team Leadership — Build operational dashboards (TAT, throughput, SLA adherence). Own BCP/DR for ops. Recruit, train, and lead a cross-functional operations team.
Qualifications
MBA preferred.
Required Skills
10–15 years in lending ops with 3–5 years in leadership at an LSP, or digital lender; deep unsecured lending experience (PL/BL/CDL/BNPL).Strong command of RBI regulations, Digital Lending Guidelines 2022, Fair Practices Code, and outsourcing norms.Hands-on experience with LOS/LMS platforms, payment systems (NACH, UPI, e-Mandate), credit bureaus, and KYC/e-Sign utilities.Prior experience in LSP/co-lending models and startup-scale ops build-out strongly preferred.
Preferred Skills
Prior experience in LSP/co-lending models and startup-scale ops build-out strongly preferred.