Business Manager - Lending

As a Business Manager for the International Lending Business, you will play a crucial role in redefining how credit is delivered across markets. Your proactive approach, strong product thinking, and analytical depth will be key in taking end-to-end ownership of scaling international lending products. Thriving in fast-paced environments and enjoying building from zero to one will be essential for success in this role. Key Responsibilities: - Drive strategy and execution for international digital lending products including BNPL, consumer loans, SME lending, and cross-border credit. - Define product roadmap, write BRDs, and collaborate with engineering/ops to launch and optimize lending flows such as LOS, LMS, APIs, KYC, underwriting, and collections. - Own core lending metrics such as funnel conversion, approval rates, NPAs, unit economics, and RoI. Design experiments, run A/B tests, and make data-driven decisions. - Adapt products to local markets, regulatory frameworks, and customer needs across multiple countries for international expansion. - Partner with cross-functional teams including Engineering, Risk, Legal, Data, Partnerships, and Operations to execute initiatives end-to-end. - Build and manage key relationships with fintech partners, NBFCs, banks, and regulators in international markets. - Contribute to the team culture by being proactive, accountable, outcome-focused, and displaying a high sense of ownership. Requirements: - 5-10 years of overall work experience with at least 3+ years in digital lending/credit/fintech. - Strong exposure to product management and analytics; proficiency in Excel & PPT is a must. - Hands-on experience with credit lifecycle stages such as acquisition, underwriting, disbursement, collections, and risk management. - Proven track record of driving business outcomes including growth, profitability, and risk control. - Excellent communication and stakeholder management skills. - Strong aptitude and problem-solving ability with a data-first mindset. - Prior international or cross-border lending exposure is a strong plus. Nice-to-Haves: - Experience in partnerships with banks, NBFCs, and fintech companies. - Familiarity with underwriting models, bureau data, and alternative data signals. - Exposure to collections strategies and recovery models. - Ability to work with global teams and adapt to diverse regulatory landscapes. Joining us means being part of a collaborative, output-driven program that promotes cohesiveness across businesses through technology. You will have the opportunity to increase cross-sell opportunities, receive feedback from peer teams, earn respect through your support, and contribute to democratizing credit for deserving consumers and merchants. If you are the right fit, we believe in creating wealth for you.,