R&R – Lending Operations – Associate / Senior Associate

Overview

Support regulatory risk compliance work in the Risk and Compliance practice, helping clients navigate loan-related processes, controls, and reporting needs, as part of PwC's Acceleration Center India.

What you'll do

• Process routine servicing transactions for lending-adjacent products (e.g., Credit Builder, secured lines), including payment application and research, account status updates, and payoff/closure requests.
• Support Early Unlock and early-cancellation request intake, applying documented eligibility rules and escalating ambiguous cases.
• Conduct account-level research and operational analysis to support dispute resolution and customer remediation activities.
• Perform back-office queue management for past-due accounts, assisting with payment arrangements, hardship programs, standard correspondence, and account notes per the collections workflow; no direct collections calling unless explicitly scoped and licensed.
• Support negative-balance and write-off-risk account reviews, applying defined aging-bucket criteria (e.g., 61–90 day, 120+ day high-risk cohort) to route accounts for further action.
• Assist with operational activities related to customer disputes, tradeline inquiries, account corrections, and servicing-related credit reporting investigations.
• Flag potential fair-lending or disparate-treatment concerns to the compliance escalation path rather than resolving them independently.
• As a Senior Associate, manage assigned workstreams, build client connections, and guide junior team members while maintaining professional and technical standards.

What you'll need

• At least a Bachelor's degree.
• At least 3 years of experience.
• Working knowledge of Regulation E (error resolution, provisional credit), NACHA/ACH rules and return codes, and baseline familiarity with Regulation Z consumer lending, FCRA, and FDCPA.
• Understanding of deposit account lifecycle, ACH processing, card operations fundamentals, and basic lending servicing concepts (payment application, delinquency aging).
• Ability to learn and operate multiple case-management and core banking interfaces accurately, and to follow structured runbooks and decision trees.
• High accuracy in data entry and categorization.
• Ability to recognize when an item falls outside standing authority and route it promptly.
• Clear, professional written English for case notes, correspondence, and internal escalation summaries.
• Demonstrated ability to work within strict procedural and compliance boundaries.
• English fluency, written and verbal, sufficient for case documentation and internal escalation communication.

Nice to have

• Prior BPO or shared-services experience in banking, fintech, or financial services operations.
• Direct experience with deposit or lending servicing.
• Familiarity with the U.S. consumer banking regulatory environment (Reg E, Reg Z, FDCPA, FCRA, NACHA).
• Demonstrated lending operations experience in regulated environments.
• Building client connections across AML and sanctions services.
• Applying data analysis to identify compliance trends and gaps.
• Interpreting regulatory requirements for lending workflows and controls.
• Supporting investigations, KYC execution, and reporting activities.
• Guiding junior team members through complex case handling.

Details

• Location: Bangalore (SDC), Table Space Towers, Bangalore, India.
• Level: Senior Associate.
• Travel requirements: Not specified.