Associate- Credit Operations

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 Associate- Credit Operations 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