Career Opportunities with Avana Companies
A great place to work.
Career Opportunities with Avana Companies
A great place to work.
As a people-first organization, AVANA Companies is the sum of our team members. Our team is the heart of our organization, across all our brands. Given everything they bring to the table, our goal is to enrich their lives as much as we enrich the lives of our clients and partners. At the end of the day, our passion is our people, and our purpose is to deliver Capital for a Better Tomorrow. As a united team, we passionately pursue that purpose – ultimately creating a lasting impression on our own lives and the lives of people around the world. We’re lucky that every day we get to collaborate and work together to accomplish that. It’s one of the many factors that make us a family of companies.
Want to learn more about how you can join our family? View our openings below and be sure to check back often, as our family is constantly growing!
| Department: | Servicing |
| Location: | Pune, India |
Role Overview
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.
Why join us?
• Build the loan-ops backbone of a purpose-driven NBFC—design checklists, STP workflows, and controls that keep us audit-ready and scalable.
• Operate at the intersection of Credit, Legal, Tech & Compliance—from e-sign/estamp and e-NACH to bureau furnishing and RBI-facing reporting.
• Thrive in a governance-first culture focused on durable growth: clean reconciliations, zero critical audit findings, and data-driven MIS.
