Rupeek: Redefining Gold Loans for a Digital India

The Opportunity:

India boasts a $2 trillion gold market, yet traditional gold loans are often cumbersome and lack transparency. Rupeek, established in 2015 and headquartered in Bangalore, is changing this landscape. We are India's leading asset-backed digital lending fintech platform, committed to making credit accessible and convenient.

Our Approach:

Rupeek leverages cutting-edge technology and an automated asset-light model to transform gold loan disbursal. Our secure, low-touch processes offer a friction-free experience for over 5 lakh satisfied customers across India. With strategic partnerships with leading banks and financial institutions, Rupeek unlocks the value of gold assets for our borrowers.

Why Rupeek?

- Shape the Future of Finance: Join us in revolutionizing the way India accesses credit through innovation, technology, and a commitment to building a more inclusive financial ecosystem.

- Profitable Scale is Our Focus: We are now prepared and committed to achieving a profitable scale while remaining dedicated to financial inclusion.

- Backed by Industry Leaders: Marquee investors like Accel Partners, Bertelsmann, Elevation Capital, GGV Capital, Peak XV and many more fuel our growth, demonstrating confidence in our innovative approach.

Are you a leader who thrives in a dynamic, fast-paced environment?

If you share our passion for making a difference, Rupeek offers the perfect platform to leverage your expertise and shape the future of gold-backed lending in India.

This is your chance to build a company at the forefront of financial innovation and market leadership.

Program & Strategy Manager - Growth/Business Team

Designation: Sr Manager

Location: Bangalore

About Us:

Rupeek is Indias fastest growing asset-backed digital lending platform. Rupeek is on a mission to solve credit needs of households and small and medium businesses in India. More than 90% of Indians dont have access to formal credit. Unsecured credit is expensive and has limited availability.

On the contrary, 95% of Indian household net worth is in some form of assets. Rupeeks technology led platform enables customers to get credit against their assets making credit accessible to the masses in a fair and convenient manner.

Rupeek started its journey with a focus on gold as an asset. Indian households have a unique relationship with gold holding over 25,000 tonnes. Only 5.5% of this gold is used to obtain formal credit due to friction involved in the process of getting credit and fear of losing gold. Rupeek solved this problem over the last 5 years by providing doorstep gold loans and transformed the way gold loans are disbursed in India. More than 1 lac customers who were earlier resistant to getting gold loans now use Rupeeks digital platform to avail credit. Gold loan category alone is estimated to be at 20B USD in annual disbursement. This is just a start and Rupeek intends to launch many more financial products spanning across multiple asset classes in near future.

Founded in 2015 by Sumit Maniyar, Rupeek is present in over 25 cities in India and has touched over 1,00,000 customers. Headquartered in Bangalore, Rupeek's investors include Sequoia Capital, Accel Partners, Bertelsmann and GGV Capital.

Role:

- Collaborate with cross-functional leadership teams (Sales, Product, Finance, Marketing) to drive alignment and execution of business goals in line with the Annual Operating Plan (AOP).

- Manage the end-to-end planning process, including development of business plans and targets, resource allocation, and cross-functional approval and alignment, ensuring all teams are aligned with business objectives.

- Oversee and manage monthly, quarterly, and annual budgets for the field team and lead generation costs, in close coordination with the business design and finance teams.

- Orchestrate the roadmap for product interventions impacting the sales organization, ensuring smooth execution and alignment with broader business objectives.

- Establish and maintain sales performance management tools and procedures (e.g., performance dashboards), and coordinate with tech and product for automated performance tracking.

- Monitor and review monthly/quarterly progress of critical initiatives and programs with field teams, presenting strategic insights to senior management.

- Develop and manage actionable data and dashboards, generating insights to drive key sales input metrics through regular review cadence with regional teams.

- Lead Sales and Operations engagement initiatives, including contests and gamification at the organizational level to drive motivation and performance.

- Design, develop, and implement Sales and Channel KPIs and incentive structures to drive performance and align with business goals.

- Serve as the custodian for productivity enhancement programs, implementing initiatives, incentives, engagement, and ensuring daily workforce tracking and rigor.

- Oversee field training, Learning & Development programs for Sales and Operations teams to build and enhance capabilities and ensure continuous improvement.

Skill:

- High level of ownership & execution rigor.

- Problem solving ability and data backed approach.

- Comfort with ambiguity and bias for action.

- Ability to engage with regional teams and drive them for ensuring results.

- Ability to understand market and design programs as per need and course correct quickly.

- Ability to indirectly influence cross functional teams and prioritize business initiatives across functions.

Persona:

- Strong Academic Pedigree: B-Tech / MBA from premium institutes.

- 5+ years of experience in an execution Business / Delivery oriented role (Sales, Revenue, Growth, Category etc.) in FMCG / Telecom / FMCD / e-commerce etc.

- Mix of experience of doing Field Sales and Central roles.

- Experience of Scaling up Program or Managing National Programs.

- Exposure to a fast paced execution environment.

- Preferred Industries: B2C start-ups, FMCG, Telecom, Consumer verticals of large corporates, FinTech.

- Experience of handling/managing sales development/growth initiatives/central sales and strategy roles.

- Team Management and Frontline experience is preferred.