# Credit Ops

**Company:** [Karbon Business](http://jobs.workable.com/companies/fym4fWr1SM3rA7BBetQBAN.md)
**Location:** Bengaluru, India
**Workplace:** on site
**Employment type:** Full-time
**Department:** Credit

[Apply for this job](http://jobs.workable.com/view/ec6b64de-b0b4-443d-aba9-b8f18186d3ac)

## Description

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.

## Requirements

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

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