Senior Business Manager - Lending & Credit

Roles & Responsibilities:

- 1. Own key metrics including acquisition, approval, conversion, disbursal, ticket size, revenue, credit cost and profitability.

- 2. Develop lending growth strategies across customer segments, channels and products.

- 3. Partner with Credit Risk to optimize underwriting, eligibility, risk segmentation, pricing and credit policies.

- 4. Monitor portfolio performance including DPD, roll rates, vintage losses, credit cost and profitability, and drive corrective actions.

- 5. Identify and implement opportunities to improve the lending funnel and customer experience.

- 6. Drive new product / program launches from business case to execution and scale-up.

- 7. Manage strategic partnerships with banks, NBFCs, fintechs and distribution platforms.

- 8. Lead cross-functional initiatives across Business, Risk, Product, Analytics and Technology.

Must Have:

- 1. 9-15 years of experience in lending, consumer finance, credit cards, BNPL, fintech, NBFC or banking.

- 2. Strong understanding of the end-to-end lending lifecycle.

- 3. Hands-on experience in credit policy, underwriting and portfolio management.

- 4. Strong understanding of lending metrics, credit cost and portfolio profitability.

- 5. Strong analytical and commercial mindset with the ability to make data-driven business decisions.

- 6. Proven ability to lead cross-functional initiatives and manage senior stakeholders.

- 7. SQL / data analytics experience preferred.