Akshay Raj

Operations Lead Manager-finops @Balancehero India

Gurugram, IN

Lending & Co-Lending OperationsManaged end-to-end lending and co-lending operations including loan booking, disbursement, repayment, refund, cancellation, and closureEnsured compliance with co-lending agreements, RBI/NBFC guidelines, and internal credit policiesCoordinated with partner institutions for portfolio management and issue resolutionReconciliation (Bank, Gateway & Partner)Performed daily and monthly reconciliation between loan management system, bank statements, payment gateway reports, and partner MISIdentified and resolved reconciliation breaks related to disbursement, repayment, refund, and cancellationsInvoicing & Partner SettlementsGenerated partner invoices for interest sharing, fees, penalties, and service chargesManaged partner settlements and supported finance team with accurate accounting inputsReporting & MISPrepared daily, weekly, and monthly MIS covering disbursement, collection, reconciliation status, refunds, cancellations, and partner performanceSupported audits, management reviews, and regulatory reportingRepayment & Payment Gateway OperationsManaged borrower repayments through NACH, UPI, cards, net banking, and manual modesMonitored payment gateway collections, settlements, failures, reversals, and retriesDisbursement, Refund & Cancellation ManagementOversaw loan disbursements, refunds, and cancellations with end-to-end tracking and validationsEnsured accurate fund flow, timely reversals, and proper accounting entriesCross-Functional Collaboration & Partner ManagementWorked closely with Technology, Finance, and Customer Support teams for issue resolution and process improvementActed as SPOC for lending partners, banks, and payment gateway providers

Babasaheb Bhimrao Ambedkar Bihar University (BRABU), Muzaffarpur

Bachelor of Computer Applications