FatakPay Digital - Strategy Manager - Personal Loan

Job Purpose:

To drive strategic growth initiatives for the Offline Business vertical by designing new channel expansion strategies, conducting in-depth business analysis, identifying opportunities for improvement, and refining existing product and process flows. The role involves close collaboration with business, product, credit, operations, and analytics teams to build a scalable and efficient offline ecosystem.

Principal Accountabilities:

Channel Strategy & Expansion:

- Develop and execute strategies to expand offline channels (DSA, Connectors, branches, partnerships, and feet-on-street).

- Evaluate new business pockets, target segments, and geographical expansion opportunities.

- Define partner selection frameworks, productivity benchmarks, and engagement models.

- Build scalable, repeatable formats for channel activation and performance ramp-up.

Business Insights & Analytics:

- Analyze business performance across funnels: lead login sanction disbursement early portfolio.

- Identify growth levers, revenue opportunities, leakages, and efficiency gaps across channels.

- Create dashboards, MIS, and strategic reports for senior leadership.

- Benchmark competition and industry trends to inform decision-making.

Product & Process Review:

- Map existing product journeys and operational flows end-to-end, highlighting inefficiencies and friction points.

- Recommend refined processes to improve TAT, reduce rejections, and enhance partner & customer experience.

- Work with Product, Tech, Credit, and Ops to implement redesigned flows.

- Assess the impact of policy and product changes across regions and channels.

Cross-Functional Collaboration:

- Partner with Sales, Product, Credit, Operations, Risk, and Collections to align strategy with execution.

- Lead structured problem-solving workshops to identify bottlenecks and co-create solutions.

- Act as a strategic advisor to business leaders with data-backed recommendations.

- Track execution progress on strategic initiatives and publish weekly/monthly updates.

Strategic Projects & New Initiatives:

- Drive pilot programs for new channels, product features, incentive models, and partner formats.

- Conduct feasibility studies and business cases for new business lines or expansion models.

- Manage end-to-end lifecycle of strategic projects from proposition to rollout.

- Conduct post-implementation reviews to measure effectiveness and optimize models.

Major Challenges:

- Balancing rapid expansion with quality and compliance requirements.

- Driving change in a high-growth environment with evolving policies and systems.

- Aligning diverse cross-functional teams on unified strategic priorities.

- Ensuring channel productivity while simplifying processes and customer journeys.

Key Decisions:

- Prioritization of markets, segments, and channels for expansion.

- Recommendations on product/process redesign and strategic solutions.

- Go/no-go decisions on pilot programs and new initiatives.

- Allocation of resources across strategic projects.

Internal & External Interactions:

Internal: Sales, Credit, Operations, Risk, Collections, Product, Tech, Finance, HR, BI & Analytics.

External: Channel partners, DSAs, vendors, consulting partners.

Role Dimensions:

- Strategic oversight for offline business footprint across all regions.

- Influence on revenue, funnel efficiency, partner productivity, and portfolio quality.

- Direct responsibility for strategic roadmap, process transformation, and pilot execution.

Required Qualifications & Experience:

- MBA / Post-Graduate (Finance/Marketing/Strategy preferred) from a reputed institute.

- 8-12 years of experience in Strategy / Business Planning / Channel Development / Fintech /

Lending.

- Strong experience in business analytics, process design, and strategy implementation.

- Exposure to offline sales ecosystems (DSA / Connector / Branch / Field channels) preferred.

- Excellent problem-solving, analytical, communication and stakeholder management skills.

- Strong project management ability and comfort working with cross-functional teams.