28/12 Divya
HR at Wortgage Technologies Pvt Ltd

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MoneyOnClick - Associate Director/Senior Manager - Sales Operations - IIM/MDI/ISB/FMS (5-7 yrs)

Bangalore Job Code: 876824

MoneyOnClick - Associate Director/Senior Manager - Operations

Location : Bangalore

Reporting Line : Business Head

About MoneyOnClick :

At MoneyOnClick we are building India's largest financial services brand for the 500 Mn lower middle-income customers in 4000+ small cities (which we term as - India 4- ). This customer segment has very little penetration of formal loans, insurance or saving products as existing financial service players see this segment as risky and non-profitable. We have created custom lending, insurance and saving products that are tailormade to serve the needs of India4 customers.

To reach these customers at low CAC, we have built a proprietary tech enabled offline-to-online social distribution channel where we have onboarded thousands of financially literate free-lancers such as LIC agents and junior financial sector employees in 1000+ cities. Our fully automated social partner app is available in 8 Indian languages and helps us manage these partners remotely without any physical presence.

The general perception is that this customer segment is highly risky and non-lendable. We are happy to share that we have been able to maintain near 0% default rates despite Covid19. Our proprietary ML based family underwriting where we evaluate the P&L of the family and give a joint liability family loan has helped us maintain these low default rates.

We have raised $4.25 Mn seed round (one of the largest in India) from some of the top VCs such as Kalaari Capital ( Indian VC with $650MN AUM and investments such as Myntra, Cure.Fit,Dream11 ), Picus Capital ( Fund run by Alexander Samwer- Co-Founder of Rocket Internet that had multiple billion $+ exits/IPOs -Lazada, Jumia, Delivery Hero etc.), 3one4 Capital (Early Stage Fund with $250Mn AUM and companies such as Bank. Open and Jupiter Neobank in its portfolio) and Orios Ventures (Early stage fund with companies like Ola and Pharmeasy in its portfolio)

Founding Team :

Vishal Chopra, CEO :

- Ex-CBO Lendingkart Indias largest Fintech Lender ($150Mn+ fund raise)

- Fist hire of Amazon India - part of the leadership team that launched Amazon.in

- Regional Director, Souq.com - largest e-commerce player in the Middle East. Raised $425Mn, acquired by Amazon

- MBA, ISB Hyderabad

Himanshu Gupta, COO :

- Ex-VP and Head of Data Science, Lendingkart created AI/ML models and maintained NPAs < 2% vs 8% industry avg

- Data Scientist, IHS Markit

- BTech, IIT Delhi

-10+ years experience in AI/ML

Leadership Team : Best in Lending Fintech

Head of Collections : South India Head-Collections, Bajaj Finance; managed 800-member team

Head of Product : BTech, IIT Kanpur; Product Leader at Lendingkart and Flipkart

Head of Technology : Btech CS, IIT Kanpur; Tech Leader at Paytm and Medlife

Head of Operations : Operations Leader, Lendingkart, Ex-KPMG

Head of Marketing : Head of Acquisition Marketing, Meesho

Head of Credit Ops : Regional Head, HDB

Role Description :

- Drive and lead the account management and cross sell functions

- Initiate partnerships with new accounts (social partners) and actively managing existing relationships

- Sustaining and growing the relationships which translate to a growth in revenue

- Manage the sales function, key account management, mass account management, operational performance, reporting, streamlining processes and systems and maximizing business and business relationships to create an environment where customer service can flourish

- Own business targets and P&L numbers across the funnel, with a key focus on achieving monthly, quarterly targets while keeping customer and partner experience paramount

- Build, train and manage team to build a high performing group, which keeps raising the bar on a continuous basis

- Think tech-first for achieving business growth and process improvement, and actively engage with product team to implement technology wherever possible

- Maintain a strong retention and engagement for social partners, and creating a structure to advise them on increasing their business and issues they may be facing

Attributes we are looking for :

- 5 years+ of experience, preferably from social commerce, e-commerce, food-tech, FMCG organizations

- Engineering/MBA from Tier 1 institute is a must

- Team Management experience is compulsory, with a previous experience of managing a team of 50+ will be a plus

- Proficiency in regional languages will be a plus

- Ability to work with senior leadership and management teams across business units

- Ability to get down and dirty on the ground to speak to customers, partners and figure out actual problems and fix them

- Recognizes the need to adapt to change & implement appropriate solutions. Be able to identify opportunities and influence change to increase effectiveness and success

- Outstanding customer and client service skills and dedication to providing exceptional customer and partner experience

- Must be able to effectively deal with people at all levels inside and outside of the organization

- Ability to multitask and successfully operate in a fast paced, team environment

- Basic proficiency in MS Excel is compulsory

Women-friendly workplace:

Maternity and Paternity Benefits

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