Business Manager - Lending

You will play a crucial role in our International Lending Business by taking end-to-end ownership of scaling international lending products. Your proactive approach, strong product thinking, analytical depth, and bias for action will be key as you thrive in fast-paced environments and contribute to building from zero to one. **Key Responsibilities:** - **Business Ownership:** Drive strategy and execution for international digital lending products such as BNPL, consumer loans, SME lending, and cross-border credit. - **Product & GTM:** Define product roadmap, write BRDs, and collaborate with engineering/ops to launch and optimize lending flows (LOS, LMS, APIs, KYC, underwriting, collections). - **Analytics & Metrics:** Own core lending metrics like funnel conversion, approval rates, NPAs, unit economics, RoI. Design experiments, run A/B tests, and make data-driven decisions. - **International Expansion:** Customize products to local markets, regulatory frameworks, and customer needs across multiple countries. - **Cross-functional Leadership:** Collaborate with Engineering, Risk, Legal, Data, Partnerships, and Operations teams to drive initiatives end-to-end. - **Partnership Development:** Establish and manage key relationships with fintech partners, NBFCs, banks, and regulators in international markets. - **Team Contribution:** Uphold the culture by being proactive, accountable, and outcome-focused with a strong sense of ownership. **Requirements:** - **Experience:** 5-10 years of overall work experience; with at least 3+ years in digital lending/credit/fintech. - **Strong exposure to product management and analytics (Excel & PPT skills are a must)** - **Hands-on experience with credit lifecycle:** acquisition, underwriting, disbursement, collections, risk management. - **Proven ability to drive business outcomes:** growth, profitability, 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:** - **Partnerships experience** with banks, NBFCs, fintechs. - **Experience with underwriting models, bureau data, alternative data signals.** - **Exposure to collections strategies and recovery models.** - **Ability to work with global teams and adapt to diverse regulatory landscapes.** You have the opportunity to be part of a collaborative, output-driven program that fosters cohesiveness across businesses through technology. By joining us, you can contribute to increasing cross-sell opportunities and earn respect through your support of team goals. If you are the right fit, we believe in creating wealth for you. With a substantial user base and a growing ecosystem, we are on a mission to democratize credit for consumers and merchants. Embrace this opportunity to be part of India's largest digital lending story.,