12 Co Lending Jobs

Role : Business Analyst Lending Solutions (LOS & LMS) Experience: 5-10 Years Locations: Hyderabad/Mumbai/Pune Domain: Lending/Fintech - LOS/LMS Shifts: IST Timings We are seeking an experienced Business Analyst with a strong background in Loan Origination Systems (LOS) and Loan Management Systems (LMS) to join our product team. The role involves engaging with clients, gathering requirements, performing gap analysis, and ensuring successful implementation of our lending solutions across India and Asian markets. Responsibilities: Requirement analysis, preparing BRDs/FRDs, supporting solution design, coordinating UAT, and working closely with product and engineering teams to deliver high-quality implementations. Requirements: 5-10 years of experience in BFSI/fintech with proven implementation of LOS/LMS projects in financial institutions (Bank's, NBFC's, or FinTech's) Strong understanding of the lending lifecycle (origination, underwriting, disbursement, collections) Knowledge of regulatory frameworks in India and Asian countries Basic technical understanding of APIs, integrations, and data flows to effectively collaborate with technology teams Excellent communication and stakeholder management skills Nice to have: Exposure to digital lending solutions, cloud-based platforms, and multi-country implementations Experience & Qualifications: Experience : 5 to 10 years Education : MBA graduate from a reputed institute or CA About Pennant: Pennant Technologies is an agile, innovative financial technology company that powers the lending operations of global banks and financial institutions - HDFC, Bajaj Finserve, LIC HFL, Godrej HFL, RAK Bank, QNB to name a few. Its suite of future ready lending products and solutions offer banks composable features and scalable capabilities to deliver differentiated loan origination, servicing and collections experiences for their customers. Trusted by leading banks and financial institutions in Asia, Pennants award-winning lending platform has managed more than 10 Million loans and facilitates 50 Million loan transactions per year. Pennant is HQ in Hyderabad and have offices and/ business operations in India, ME, Saudi, Australia, Philippines and UK. We are aggressively expanding across the geographies and adding to our 370+ workforce, spread across multiple locations. Visit us at www.pennanttech.com If you are interested please share me your updated resume on rajkumar.k@pennanttech.com Thanks & Regards, Raj Kumar K 8074788708

Role : Associate Project Manager/Project Manager Domain: Lending domain (LOS/LMS/LCS) Experience: 10+ Years Overview: We are looking for experienced Project Managers with a strong background in the lending domain to lead and manage strategic projects within our organization. The ideal candidate should have 8 to 10 years of project management experience, with a proven track record of successfully delivering complex projects within the financial services industry, specifically in the lending sector. Key Responsibilities: Oversee end-to-end project management for lending domain initiatives , ensuring projects are delivered on time, within scope, and on budget. Collaborate effectively with cross-functional teams, including business analysts, developers, and quality assurance, to define project scope, objectives, and deliverables. Develop comprehensive project plans, including timelines, milestones, and resource allocation, and track progress to ensure timely execution. Proactively manage project risks, issues, and dependencies, implementing effective mitigation strategies. Provide regular updates on project status, progress, and challenges to stakeholders, maintaining transparency and alignment with business objectives. Ensure adherence to regulatory requirements and company standards throughout the project lifecycle. Foster a collaborative and high-performing team environment, promoting continuous improvement and innovation. Coordinate with external vendors and partners as needed to achieve project goals. Qualifications: Bachelors degree in Computer Science, Information Technology, Business Management, or a related field. 8 to 10 years of project management experience, with a focus on the lending domain. In-depth understanding of lending processes, including origination, underwriting, servicing, and collections. PMP, PRINCE2, or an equivalent project management certification is preferred. Demonstrated experience in managing large-scale projects with diverse stakeholders. Strong communication, leadership, and problem-solving skills. Ability to thrive in a fast-paced, dynamic environment. Proficiency in project management tools (e.g., MS Project, JIRA, Trello). Location: Hyderabad How to Apply: Interested candidates are encouraged to submit their resumes along with a cover letter outlining their relevant experience and explaining why they are an excellent fit for this role. Or Share your CV on rajkumar.k@pennanttech.com

We are hiring a Sr. Business Analyst Finance & Accounts (Gurugram). Role involves managing loan operations, reconciliations, MIS, compliance, GST, NACH, and system improvements. Req. 5–7 yrs NBFC/FinTech exp + SAP, SaaS, Power BI skills. Food allowance Health insurance Provident fund Annual bonus

Purpose: The person will be responsible for managing relationships with Banks/NBFC partners of Indifi. He / She will be involved in increasing business volumes with various lending partners and aligning the lenders on process flow, KYC and documentation and product integration in the Indifi system and coordinating with internal stakeholders to ensure seamless disbursements. (Internal stakeholders w.r.t. operations, credit, finance, collections, customer service etc.) Responsibilities: - Managing existing relationships with Banks/NBFC partners of Indifi. - Responsible for business volumes with various partners and ensuring scale up of partnerships. - Aligning the lenders on process flow, KYC and documentation and product integration and coordinating with internal stakeholders to ensure seamless disbursements. (Internal stakeholders w.r.t. operations, credit, finance, collections, customer service, legal, etc.) - Create SOPs, process notes, best practices document that impact all activities between internal stakeholders like Finance, Credit, Collections, Customer Service, Technology, etc. with Indifi's external stakeholders/lenders. - Responsible for managing end to end process of lead assignment, approval, disbursal, and post sanction follow up with respect to different programs including co-lending partnership with leading banks. - Determine performance benchmarks and identify course of action in case of breach. - Automate Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness - Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency. - Identifying technological solutions to improve existing processes and overall portfolio management functions - Driving integration on various aspects of the strategic partnership across Credit, Operations, Risk Management, Technology and Product. - Develop and maintain reporting & application systems and coordinate information exchange with partner lenders. - Ensure all tasks, deliverables and documentation are created with the highest level of accuracy. - Assist in developing business processes to ensure operational efficiency and profitability. - Managing operational disbursements related escalations & timely resolution of the same.

Preferred candidate profile Execution of Audit , monitoring of scope & quality of review, audit finalization and release of reports as per timelines. Carrying out audit as per regulatory guidelines, Internal policy, Audit procedures. Timely, accurate, concise, and effective documentation of audit reports on exceptions observed during audit. Examine the present processes and procedures critically and make suggestions for improvements that would improve controls and streamline process flow. Ensure Support during ACB reporting. Ensure qualitative and effective performance in all aspects of audits. Recommend processes change if any . Qualification CA/CWA/CFA

Business Requirement Review of Pools pay-out Reports and controlling all pools pay-outs Review & approve of accounting & month end adjustment entries Review pools Buyout recon including loan wise reconciliations & meeting with trustee, bank and different banks auditors. Working with external teams for securitisation LMS & EGL automation and new software Integration. Reviewer of new pool transaction with all pools cases ledger reconciliations. Review of 70+ Pools pay-out Reports and payment Review & controlling 30+ MIS and auditors data and coordination with auditors Review & approve of accounting & month end adjustment entries for direct assignment and securitisation Review 45+ Pools Buyout recon including loan wise reconciliations & meeting with trustee, bank and different banks auditors. Data Management Review & controlling MIS and auditors data and coordination with auditors. Knowledge DA PTC & Co-lending Accounting Knowledge LMS & EGL, RBI Guidelines over DA, PTC and Co-lending Team Management Effectively communicating insights and plans to cross-functional team members and senior management. Ability to work collaboratively in a team environment. Ensure and preview the daily record of accomplishment.

Built partnerships with NBFCs/ fintechs, led co-lending deals, policy/SOP creation, digital loan journey design, and performance tracking. Handled negotiations, integration, compliance, and incentive programs to boost partner engagement and revenue. Required Candidate profile Ideal candidate: 8+ years in strategic alliances, business development, or co-lending in NBFC/BFSI. Strong knowledge of channel finance, commercial lending, and digital lending platforms.

Role & responsibilities Partnership Development: Identify and evaluate potential co-lending partners such as banks, credit unions, and community development financial institutions Establish and nurture relationships with key stakeholders to explore collaboration opportunities and strategic alliances. Negotiate partnership agreements, terms, and conditions in alignment with company objectives. Co-lending Program Management: Develop co-lending frameworks and strategies to optimize lending capacity and mitigate risks. Design and implement operational processes for seamless coordination between partners. Monitor co-lending activities, performance metrics, and outcomes to assess effectiveness and identify areas for improvement. Risk Management: Conduct thorough risk assessments of co-lending partnerships and projects to ensure compliance with regulatory requirements and mitigate potential risks. Implement risk mitigation strategies and controls to safeguard the company's interests and assets. Compliance and Regulatory Oversight: Stay abreast of regulatory changes and industry best practices related to co-lending and partnership arrangements. Ensure adherence to regulatory standards, internal policies, and procedures throughout the co-lending process. Collaborate with legal and compliance teams to address any regulatory issues or concerns. Financial Analysis and Reporting: Analyze financial data and performance metrics to evaluate the profitability and viability of co-lending initiatives. Prepare comprehensive reports and presentations for senior management, board of directors, and external stakeholders. Cross-functional Collaboration: Collaborate with internal teams including underwriting, finance, marketing, and operations to support co-lending activities and ensure seamless integration with existing processes. Provide training and guidance to internal stakeholders on co-lending policies, procedures, and best practices. Role Purpose; As the Manager of Co-Lending & Partnerships, you will be responsible in; 1. Fostering strategic alliances and managing co-lending initiatives within the housing finance sector. 2. Collaborating with various stakeholders including financial institutions, government bodies, and non-profit organizations to expand lending opportunities and enhance housing affordability.

Job Description Periodic review and modification of DA Board policy and Pool selection criteria Preparation of Monthly dashboard and quarterly heath review of portfolio. Management discussion with Bank/NBFC who is proposing to sell pool. Management discussion is done to understand the sourcing, underwriting, portfolio management & collection process. Fixing & reviewing pool criteria for different products. Pool criteria are shared with Bank/NBFC which helps them carve out pool as per YBL requirements. Review of Loss Estimation Report given by Rating agency. Preparing Portfolio cuts & pool Characteristic for IOM which is put up for approval Review of IOM before it is put up for approval Coordinating with Bank/NBFC for due diligence. (Location of due diligence, Scan/Physical files, Infrastructure system/manpower support) Preparation of pool selection checklist for due diligence product wise. Review of the due diligence done by Credit & Operations. Engaging with Business/ Credit / Operations (internal stake-holders) and Bank/NBFC (external stake-holders) to close queries/open points of review. Monitoring of portfolio product wise and identify key performance indicator. Engagement with originator to understand delinquency trends and reasons for delinquency. Tracking of exceptions/deferrals taken by Business & follow up for closures. Engagement with Compliance/ Governance / Internal audit for data submissions and closure of queries/ clarifications. What we are looking for Good understanding of Retail Asset products – Mortgages/Vehicles/Microfinance/ unsecured Strong knowledge & experience of analyzing large data sets Good MS Excel knowledge Excellent communication skills (written/oral) Strong Analytical skills Should take complete ownership of assigned activity. Pro-active and flexible Qualification and Experience required CA / MBA Candidate should be having at least 2-5 (Manager/ senior Manager) 5-10 years’ (AVP position) experience in Retail Asset products – Securitisation/Credit/Sales/Operations

Role & responsibilities The position will be managing Partners and handling the day-to-day BAU activities of Digital Operations. Manage overall portfolio of co-lending and Interact with NBFC partners/ co- lenders to manage the relationship across all processes. Reconcile Payment transactions with NBFC partners and work towards gap analysis, exception monitoring. Review, troubleshoot and resolve process issues to ensure compliance with processes. Help onboard new NBFC partners and services vendors. Managing Reconciliation. Managing Stakeholder and co ordinate between various departments Collections management Payment channel Reconciliation , Repayment management- UPI, NACH, Repayment audit, etc. Ability to make operations excellence as the USP of the organization (lowest TAT, highest FTR (First Time Right), six sigma in quality, best productivity, Automation and process improvement Processing & adherence to all SLAs at various stages of the operations to ensure seamless BAU. Hands on experience in Driving Automation & System Enhancement project. Preferred candidate profile Graduation/Post Graduation Minimum 4-6 years of experience in Financial Operations preferably in Bank/NBFC/Fintech Strong planning, organizational and analytical skills.

Job Title : Head Co-Lending Location : Mumbai Department : Lending / Business Development Reports to : CEO / Business Head Experience : 12+ years (with at least 3-5 years in co-lending partnerships) Industry : NBFC / Fintech / Banking Job Purpose To lead and expand the co-lending business of the NBFC by identifying, onboarding, and managing strategic partnerships with Banks and Fintechs to drive portfolio growth, compliance, and profitability. Key Responsibilities Strategic Leadership : Define the overall co-lending strategy aligned with the NBFCs growth goals. Build and execute the roadmap for co-lending partnerships across products (Retail, MSME, Affordable Housing, etc.). Partnership Development : Identify, evaluate, and onboard banks, fintechs, and institutional partners for co-lending arrangements. Lead negotiations and finalize commercial and operational terms. Operational Management : Oversee end-to-end implementation including credit policies, product integration, tech stack alignment, and regulatory compliance. Monitor disbursement, collections, reconciliation, and reporting frameworks under co-lending models Governance & Compliance : Ensure RBI and regulatory guidelines are adhered to across all partnerships. Liaise with legal, compliance, and risk teams to ensure process integrity and audits. Team Management : Build and lead a high-performing team to manage partnerships and execution. Collaborate cross-functionally with Credit, Operations, Tech, Risk, and Legal. Technology & Innovation : Work closely with the technology team for API-based integrations and digital onboarding. Identify innovations for real-time reporting, decision engines, and portfolio performance. Qualifications & Skills MBA / CA / Postgraduate in Finance, Business, or related field. Proven track record in setting up and scaling co-lending business in NBFCs/Fintechs. Strong network in banking and fintech ecosystems. Deep understanding of RBI co-lending guidelines and risk-sharing models. Excellent negotiation, communication, and stakeholder management skills. Data-driven with strong analytical and execution capabilities.

Sr. Associate Credit & Ops (Co-lending) Support partner onboarding, credit ops, reconciliations, MIS, and basic compliance hygiene. Must-haves: 2–4 yrs in NBFC/fintech partnerships or credit ops; cross-functional coordination; Excel comfort (lookups/pivots).