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