31 Digital Lending Jobs

Product: Product Description: Secured Loans Marketplace A significant proportion of IndiaMART s SME buyers require financing solutions secured against assets to fund their procurement, growth, or working capital needs. The Secured Loans Marketplace aims to address this by offering a diverse suite of asset-backed financial products via partnerships with banks, NBFCs, and fintech lenders. Product Suite Includes: Loan Against Property (LAP): Secured loans offered against residential, commercial, or industrial property to finance business expansion or operational needs. Gold Loans: Short-term, high-speed loans secured against pledged gold, catering to urgent liquidity requirements. Auto Loans (Commercial Vehicles & Equipment): Financing for new or used commercial vehicles, machinery, or industrial equipment to power SME operations. Loan Against Securities (LAS): Loans offered by pledging mutual funds, shares, bonds, or other marketable securities enabling liquidity without liquidation. Loan Against Fixed Deposit (FD): Overdrafts or term loans secured against fixed deposits, offering low-interest funding for working capital. Cards Against FD: Prepaid or credit card limits backed by fixed deposits ideal for SMEs without formal credit history. This digital-first marketplace integrates these offerings into IndiaMART s buyer experience and provides curated options tailored to MSME profiles, purchase behavior, and asset ownership. Educational Qualifications: B.Tech/B.E ,and MBA/PGDM Job Responsibilities: Key Responsibilities: Product Strategy & Roadmap: Define and own the end-to-end strategy for this marketplace, from ideation through scale-up, aligned to marketplace growth targets. Lender & Partner Management: Establish and nurture relationships with banks, NBFCs, and fintech lenders; negotiate commercial terms, SLAs, and co-branding agreements . Go-to-Market & Growth: Design acquisition and distribution strategies including co-branded campaigns, outbound lead gen, and channel partnerships to drive loan volumes and market share . Underwriting & Risk Framework: Collaborate with credit risk, analytics, and technology teams to develop bespoke underwriting policies for these products; continuously monitor portfolio performance and implement corrective actions . P&L Ownership: Manage all financial levers interest margins, fee structures, credit costs to deliver profitability and scale; prepare periodic financial reviews for senior leadership . Technology & Operations: Partner with product, engineering, and operations teams to build seamless loan application flows, integrate lender APIs, and ensure compliance with KYC, AML, and regulatory requirements . Stakeholder Coordination: Liaise with legal, compliance, finance, customer-facing teams, and external auditors to finalize SLAs, draft agreements, and maintain governance standards . Manage communication, sales channel to drive business volumes Responsible for market landscape, process, partners, business model, partners, tech journey etc Liaising with lending partners ensuring smooth flow of operations, policies and expectation setting Develop and maintain reporting & application systems and coordinate information exchange with all stakeholders Skills Required: Lending Partner Management , PnL , MSME Loans , Market Segmentation , Product Management , Business Loans Candidate Attributes: Skill Set 7-12 years of experience in digital lending, fintech product management, or NBFC/BANK credit roles, preferably with a focus on SME or these secured loan verticals Should have understanding of market segmentation and lender wise offerings in various products including capital goods buyers and lender product offerings (relevant tot these products) Proven track record in lender P&L creation, partner revenue-share negotiation, and scaling co-lending or referral businesses Strong analytical skills with hands-on experience in underwriting policy design, credit scoring models, and portfolio risk management. Excellent stakeholder management and negotiation skills; ability to influence cross-functional teams and external partners. MBA from a Tier-1 institute or equivalent; background in finance or strategy preferred.

Key Responsibilities: Product Strategy & Roadmap: Define and own the end-to-end strategy for Buyer Credit, from ideation through scale-up, aligned to marketplace growth targets. Lender & Partner Management: Establish and nurture relationships with banks, NBFCs, and fintech lenders; negotiate commercial terms, SLAs, and co-branding agreements . Go-to-Market & Growth: Design acquisition and distribution strategies including co-branded campaigns, outbound lead gen, and channel partnerships to drive loan volumes and market share . Underwriting & Risk Framework: Collaborate with credit risk, analytics, and technology teams to develop bespoke underwriting policies for machinery and capital goods buyers; continuously monitor portfolio performance and implement corrective actions . P&L Ownership: Manage all financial levers interest margins, fee structures, credit costs to deliver profitability and scale; prepare periodic financial reviews for senior leadership . Technology & Operations: Partner with product, engineering, and operations teams to build seamless loan application flows, integrate lender APIs, and ensure compliance with KYC, AML, and regulatory requirements . Stakeholder Coordination: Liaise with legal, compliance, finance, customer-facing teams, and external auditors to finalize SLAs, draft agreements, and maintain governance standards . Manage communication, sales channel to drive business volumes Responsible for market landscape, process, partners, business model, partners, tech journey etc Liaising with lending partners ensuring smooth flow of operations, policies and expectation setting Develop and maintain reporting & application systems and coordinate information exchange with all stakeholders Skills Required: Lending Partner Management , PnL , Market Segmentation , Product Management , Lending Solutions Candidate Attributes: Skill Set: 7-12 years of experience in digital lending, fintech product management, or NBFC/BANK credit roles, preferably with a focus on SME or machinery financing Should have understanding of market segmentation and lender wise offerings in various products including capital goods buyers and lender product offerings (term loans, invoice financing, OEM financing) Proven track record in lender P&L creation, partner revenue-share negotiation, and scaling co- lending or referral businesses Strong analytical skills with hands-on experience in underwriting policy design, credit scoring models, and portfolio risk management. Excellent stakeholder management and negotiation skills; ability to influence cross-functional teams and external partners. MBA from a Tier-1 institute or equivalent; background in finance or strategy preferred. Educational Qualifications: B.Tech/B.E ,and MBA/PGDM

Designation: Programme manager/ Crosssell Manager Location: Noida Skill: 2+yr in Cross sales, relationship management, or SME lending, Strong exposure into Unsecured Business loan Interested candidates can share resume at sarika.bhandari@acumont.com

Digital lending PL Product designing, strategy implementation for PL Only digital PL products designing experience is preferred with Basic understanding of Risk analysis ,credit analysis, portfolio management Lifecycle management HR- 8855045944

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.

Roles and Responsibilities Develop product strategies aligned with business goals, leveraging market insights and customer needs. Collaborate with cross-functional teams to design, launch, and maintain products that meet business objectives. Analyze data to identify trends, opportunities, and challenges in the digital lending space. Create product roadmaps that prioritize features based on business value and customer impact. Ensure effective communication of product plans and progress to stakeholders through regular reporting.

We are hiring a strategic Product Team Lead to drive the end-to-end lifecycle of fintech products including lending, payments, and insurance. Must have 4+ years in product management, strong fintech domain knowledge, and excellent cross-functional 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.

Job Purpose: This role is responsible for driving Product Per Customer (PPC) for the company, encompassing lending and non-lending offerings. The role calls for a data-driven leader with expertise in product ownership, sales strategy, channel execution, tech integration, and customer experience , with a proven track record of multi-stakeholder management and revenue acceleration . Key Responsibilities: a) Strategic Leadership: Drive the Product Per Customer (PPC) growth strategy across the company product agnostic. Identify opportunities across the customer lifecycle to cross-sell, balance transfer and up-sell both lending and non-lending products. Develop and execute bundled product strategies and programs aligned with emerging customer needs. b) Sales & Channel Management: Formulate and execute competitive go-to-market strategies to drive revenue, market share and customer prepositions in discussion with stakeholders Drive channel performance across physical branches, digital platforms, DSA, DST, and partner channels . Optimize channel economics and productivity while ensuring quality and compliance. c) Product & Program Ownership: Own the product roadmap and manage product lifecycle from ideation to market launch, performance monitoring and manage revenue stream. Work closely with technology, analytics, risk and compliance to build innovative and scalable solutions. Collaborate with marketing and branding to innovate and design customer-centric programs . d) Data, Technology & Experience Integration: Leverage data analytics to segment customer base, track PPC, define targeted cross-sell campaigns and deep understanding of data. Collaborate with tech teams to ensure customer journey digitization and frictionless onboarding . Build robust dashboards and MIS to track revenue, activation, PPC, customer engagement KPIs and increase the PPC from current levels. e) Stakeholder Management: Work cross-functionally with risk, legal, compliance, finance, marketing, IT, and operations . Forge and manage strategic alliances with external partners ( OEMs, FinTechs, Platforms ). Job Requirements: Postgraduate / MBA 10+ years of experience in Sales, Product and Program Management in BFSI domain Proven ability to scale lending products and drive cross-sell across diverse channels Experience in managing digital + assisted channels simultaneously Demonstrated ability to work with data science/analytics, technology platforms , and external partners Strategic & Commercial Acumen Customer-Centric Mindset Strong Executional Capability Influencing & Collaboration Skills Analytical Thinking & Tech Fluency

Responsible for the P&L of the organisation Lead product, sales, operations, compliance functions Maximize revenue along with brand visibility Aggressively drive fintech collaborations/onboarding Required Candidate profile 20+ yrs exp in BFSI sector including 15 yrs exp in Loan against securities, digital lending, fintech collaboration etc Job location will be Kerala

Shriram Finance Limited Shriram Finance is the country's one of the biggest retail NBFC offering credit solutions for commercial vehicles, two-wheeler loans, car loans, home loans, gold loans, personal and small business loans. We are part of the 50-year-old Shriram Group, a financial conglomerate that has emerged as a trusted partner in creating transformative experiences and lasting impressions in customers lives. In November 2022, Shriram Groups entities Shriram Transport Finance Company Limited, Shriram City Union Finance Limited, and Shriram Capital Limited merged to form Shriram Finance Limited. As on Sept 30, 2024, with a network of 3,149 branches and a workforce of 77,764 Shriram Finance has combined Assets Under Management (AUM) worth 243,042 crores. As a leading financial enterprise with a rich business history, Shriram Finance is founded on inclusion and sustainability, helping us unlock value for generations to come. Our presence spans across the agrarian heartlands of rural India to its vibrant, cosmopolitan metros where we set wings to aspirations. At Shriram Finance, we are committed to meeting our customers at every touchpoint of their financial journey so that they get to explore unlimited possibilities through us. Powered by cutting-edge technology, Shriram Finance is a digitally mature financial institution that reflects the banking needs of the Millennial and Gen Z customers. We offer priority financial services to those in the unbanked and underbanked sectors, expanding our innovative product pipeline at every stage of disruption. Job Title: Product Manager -Business Loan Location: Chennai (Work from Office) Role Overview We are looking for a strategic and execution-focused Product Manager Business Loan to lead the development, enhancement, and management of our business loan offerings. This role will focus on improving product features, streamlining customer journeys, enabling sales channels, and driving customer acquisition through innovation and collaboration. Key Responsibilities Product Lifecycle Management: Own the end-to-end business loan product journeydesign, enhancement, process reengineering, and ongoing management. Cross-functional Coordination: Work closely with Branch, Sales, Risk, Operations, Legal, Compliance, and Technology to implement product features, streamline processes, and ensure regulatory adherence. Go-to-Market Strategy: Support sales with collateral, communication plans, and customized programs to drive disbursements and customer engagement. Process Efficiency & Customer Experience: Design and implement scalable, low-TAT journeys for MSME, SEP/SENP, and unsecured loan segments to improve turnaround and satisfaction. Market Research & Benchmarking: Analyze industry trends, competitor offerings, and customer feedback to identify new opportunities and enhance value propositions. Digital Integration: Work with digital teams to create data-led customer journeys, pre-approved/propensity models, and lead conversion funnels. Campaign Management: Collaborate with marketing and sales to run targeted campaigns, drive customer acquisition, and cross-sell opportunities. Portfolio Monitoring: Track product performance metrics such as disbursements, sourcing mix, ticket size, TAT, lead funnel efficiency, and quality of book. Training & Communication: Conduct training for field teams and ensure all platforms reflect the latest product information and updates. Qualifications Experience: Min 3 years of experience in product Management roles within business loans, SME lending, or secured/unsecured loan products. Education: Degree in Business, Finance, or related field. Skills & Attributes: Strong product and process design experience Sound knowledge of SME lending landscape and regulatory aspects Excellent stakeholder management and communication skills Experience in driving digital-first lending journeys If you are interested please share your updated resume to sai.s29@shriramfinance.in

Job Title: Software Sales Manager Loan Management Systems (NBFC Focus) Location: Gurugram, India Experience Required: 10+ years in enterprise software sales with a strong track record in selling loan management or financial software to NBFCs and financial institutions in India. About the Role: We are seeking a seasoned Software Sales Manager to lead and expand our enterprise sales efforts for our flagship Loan Management Solution tailored for NBFCs. The ideal candidate has deep industry relationships, understands the lending technology landscape, and consistently exceeds revenue targets. You will play a critical role in shaping our GTM strategy and building long-term customer partnerships. Key Responsibilities: Sales Leadership: Own the complete sales lifecycle – from lead generation to deal closure – for our Loan Management System across NBFCs in India. Market Development: Identify target segments within the NBFC ecosystem, engage with senior stakeholders (CXOs, CTOs, Credit Heads), and craft solution-based sales pitches. Relationship Management: Build deep, trust-based relationships with NBFC clients and ecosystem partners (consultants, system integrators, etc.). Pipeline Management: Maintain a strong and predictable sales pipeline via CRM, ensuring timely follow-ups, forecasting, and closure. Industry Intelligence: Stay current with regulatory trends (e.g., RBI guidelines), competitor activity, and client technology needs. Collaboration: Work closely with pre-sales, product, and implementation teams to shape client proposals and ensure successful handoff post-sale. Negotiation & Contracts: Lead complex contract negotiations, pricing discussions, and commercial structuring in line with company policies. Desired Candidate Profile: 10+ years of proven enterprise software sales experience, with at least 5 years focused on selling to NBFCs or BFSI clients . Strong domain understanding of loan origination, loan servicing, collections, and regulatory compliance . Demonstrated track record of achieving or exceeding sales targets (2 Cr+ annually) . Exceptional stakeholder management skills – ability to sell to CXOs and influence decisions. Familiarity with sales tools (CRMsystems like Zoho) and proposal management . Excellent communication, presentation, and negotiation skills. Preferably has existing relationships within the Indian NBFC ecosystem. Nice to Have: Experience with SaaS-based lending platforms. Exposure to core banking , credit scoring , or digital onboarding solutions. MBA or equivalent degree in Business, Finance, or Technology. Compensation: Market competitive with attractive sales incentives and bonuses tied to performance. Interested candidates can share their updated cv at Pooja.jain@satincreditcare.com

Responsibilities: Evaluate loan applications based on internal credit policies and RBI guidelines. Analyze financial documents, bank statements, credit bureau reports, and applicant details. Work closely with Relationship Managers and the digital operations team to ensure quick turnaround time. Identify potential fraud or risk indicators using both manual and automated tools. Ensure proper documentation, KYC validation, and adherence to regulatory norms. Make clear credit decisions and communicate rejections with documented reasoning. Maintain MIS for applications, approvals, and rejections.

Job Purpose: This role will be responsible to lead the design and execution of credit strategies for cross-sell personal loan programs. The role requires a strong background in retail credit risk, data-based decisioning, and exposure to NBFC or fintech ecosystems where digital origination and alternate data play a key role. The role requires to completely own the Cross-Sell personal loan programs and take continuous actions to improve Portfolio Quality. Key Responsibilities: Own and drive credit policy design for cross-sell personal loan programs, targeting existing customer bases from internal or partner channels Analyze customer behavior, repayment history, and alternate data to develop segmentation and eligibility strategies Define and continuously refine scorecard-based or rules-based underwriting logic to balance risk and growth Collaborate with Product, Analytics, and Tech teams to embed policies into digital journeys and decisioning engines Monitor portfolio performance metrics approval rate, delinquency, roll rates, loss rates across different cohorts and channels Work closely with credit bureaus and data providers to leverage external insights for better underwriting Ensure policy compliance with regulatory guidelines and internal governance standards. Conduct regular risk reviews and present findings to management and credit committees Job Requirements: Postgraduate in Finance, Economics, Statistics, or related field. Professional Certifications FRM / CFA is desirable 8-12 years of experience in credit policy or risk management, preferably in NBFCs, FinTechs, or digital lending platforms. Have 3+ years of people / stakeholder management experience Experience in cross-sell or pre-approved loan programs is highly desirable. Exposure to digital lending platforms, API-based underwriting and rule engines. Experience with co-lending models or embedded finance Strong knowledge of unsecured lending products, especially personal loans. Hands-on experience with credit policy formulation, scorecard management, and risk-based pricing. Familiarity with bureau data (CIBIL, Experian, CRIF), alternate data sources, and credit decisioning tools. Analytical mindset with proficiency in tools like Excel, SQL, Python, or SAS. Ability to work in fast-paced environments with cross-functional collaboration. Strong Analytical, Interpersonal and Convincing skills Exceptional written and verbal communication skills

Role Brief: In this role, the employee will serve as the Single Point of Contact (SPOC) for clients using Hotfoot's software solutions. They will act as a liaison between the client team and the delivery team, facilitating communication and understanding. The employee is expected to gain knowledge in three key areas: Software Development Lifecycle (with a focus on Business Analysis), the Lending Domain, and the Product (Platform). They will work closely with both internal and external stakeholders to provide solutions to the clients business needs, enhancing the delivery process and overall client experience. Role & responsibilities: To coordinate between the stakeholders - Internal and External and ensure timely closure of open points and information is available for Delivery teams. To conduct JAD/Requirements gathering sessions and perform details documentation -requirement tracker, minutes of Meeting, Open Points To provide regular and pre-active status updates to the Management on current andfuture sprints To follow the agile process in full spirit To create required documentation - Epic/ Story/ FSD To conduct show & tell sessions with customer for deliveries To conduct daily scrum calls and standy calls with client and internal team to follow upon open points and bring to logical closure To highlight dependencies and high risk items to Project team Preferred candidate profile Strong knowledge of Banking & Financial Services, preferably in lending and Loan Origination Systems. Experience in Agile methodologies for software development and project management. Ability to Elicitate requirements and perform detailed documentation Clear and precise communication of complex technical concepts to non-technical stakeholders, both verbally and in writing. Technical Knowledge on components on Software development Technical Knowledge of Integrations/APIs Sprint Planning and Delivery Tracking Please Share your Resume at rohit.g@hotfoot.co.in or nisha.ap@hotfoot.co.in

Job Purpose: This role is responsible to oversee credit risk strategies for e-commerce lending programs. The role requires deep expertise in credit risk, underwriting models, and portfolio monitoring, particularly in partnerships with e-commerce platforms for Buy Now Pay Later (BNPL), Personal Loans, or Co-branded Credit products. Key Responsibilities: Design and manage credit policies for customer acquisition through e-commerce platforms. Analyze partner-sourced customer profiles and define risk segmentation frameworks. Collaborate with credit bureaus, data science, and analytics teams to develop scorecards and alternate data models. Monitor key performance indicators (KPIs) for the e-commerce lending portfolio: approval rates, default rates, vintage analysis, etc. Work closely with product, risk, and partner teams to fine-tune underwriting rules based on evolving trends. Conduct periodic reviews of credit performance at a cohort, product, and partner level. Ensure regulatory and internal compliance in all customer onboarding and decisioning processes. Support the launch of new products in collaboration with tech and product teams by providing credit risk input. Job Requirements: Graduate / Postgraduate in Finance, Economics, Engineering, or related field 8+ years of experience in credit risk or underwriting, preferably in fintech or digital banking environments. Experience in managing credit programs tied to e-commerce or digital channels Exposure to digital lending APIs and onboarding journeys Experience in co-lending or third-party origination models Strong grasp of consumer lending credit risk principles (unsecured lending, EMI financing, BNPL, etc.) Knowledge of e-commerce customer behavior and alternative data sources (digital footprint, transaction data) Familiarity with credit decisioning tools and rule engines (e.g., Experian Hunter, FICO, custom engines). Proficiency in data tools: SQL, Excel, SAS, Python (preferred) Excellent problem-solving skills and ability to work cross-functionally with internal and external stakeholders

Role Purpose As part of Credit, role responsible to drive Digital initiatives as a subject matter expert (SME). Initiatives include efficiency improvement, automation of credit processes, scorecard, and analytics. Roles and Responsibilities Manage end-to-end project delivery for auto loans, ensuring timely completion within budget and quality standards. Collaborate with cross-functional teams to gather requirements, develop use cases, and create scorecards for automation implementation. Develop digital initiatives for retail assets, including digitization of processes and systems integration. Provide subject matter expertise on auto loans, retail credit, and vehicle finance to drive business growth through innovative solutions. Ensure effective requirement gathering, analysis, design, development, testing, deployment, maintenance of software applications related to auto loans.

Role & responsibilities Provide compliance advisory on Digital Lending and product journeys as per RBI guidelines Interpret regulatory circulars and notify senior management on potential compliance risks Partner with business teams to ensure regulatory compliance for new/existing products Product lifecycle experience as project manager Vet internal policies, forms, and business circulars from a compliance perspective Handle RBI inspection processes and assist in preparation/closure of RAR reports Conduct compliance training for CAROs/business stakeholders Test processes/controls and track regulatory observations across units Provide inputs for senior management dashboards and compliance risk reports Liaise with peer banks and regulators for clarifications and bench-marking Preferred candidate profile Possess an understanding of all Regulatory and Banks internal guidelines pertaining to Digital Lending and Product journeys and ensuring Bank's compliance as per said guidelines. Able to analyze the impact of Regulatory Circulars /Directions/Notifications issued by RBI/ any other regulator and inform the Senior Management about the Compliance Risk emanating if the guidelines are not implemented within the Regulatory timelines as prescribed by the Regulator. Partner with Business Departments on various aspects of Regulations applicable to their Business and providing them solutions on matters referred by them in new and existing products and processes. Track the implementation of actionable emanating from the guidelines, in coordination with respective Business teams (wherever required) Assist in RBI Inspection process, discussion & closure of RAR Report Conduct trainings for CAROs/ respective business teams on requirements under Compliance Culture

About Us: Airtel Payments Bank, India's first payments bank is a completely digital and paperless bank. The bank aims to take basic banking services to the doorstep of every Indian by leveraging Airtel's vast retail network in a quick and efficient manner. At Airtel Payments Bank, were transforming the way banking operates in the country. Our core business is banking and we’ve set out to serve each unbanked and underserved Indian. Our products and technology aim to take basic banking services to the doorstep of every Indian. We are a fun-loving, energetic and fast growing company that breathes innovation. We encourage our people to push boundaries and evolve from skilled professionals of today to risk-taking entrepreneurs of tomorrow. We hire people from every realm and offer them opportunities that encourage individual and professional growth. We are always looking for people who are thinkers & doers; people with passion, curiosity & conviction; people who are eager to break away from conventional roles and do 'jobs never done before’. Job Overview: The product team at Airtel Payments Bank is a highly motivated, forward thinking team comprised of highly talented product managers with a singular focus of delivering innovative products. As a product manager you will own one or more product features of high complexity or importance. With minimal supervision, you will develop a product strategy and lead project execution. About Lending & Wealth Management Vertical: Airtel Payments Bank's Financial Services Product Vertical is integral to the holistic approach in meeting diverse customer financial needs. This cross-sell team offers a wide array of products including Lending (unsecured personal and business loans, secured gold loans, and auto-loans), and Wealth Management solutions such as Fixed Deposits and DigiGold. Operating under RBI guidelines, the team facilitate seamless customer referrals to esteemed Partner Banks and NBFCs, ensuring robust financial offerings through strategic partnerships. Key Responsibilities: This role will comprise of User Centric Mindset: You will be responsible for understanding customer needs as well as stay on top of the customer pulse via secondary insights - both qualitative and quantitative. Should have Capability to independently translate user feedback into actionable insights for product development. Product Vision & Strategy: Should have ability to independently define both long-term strategy and quarterly roadmap to achieve the product vision and create impact. Product enhancement with a problem first, data-driven, and test & iterate approach. Product Development Life Cycle: Should have strong understanding of stages that a product goes through from concept to market launch & beyond. Ecosystem collaboration: Self-starter to collaborate closely with ecosystem players to co-build products. Effectively influencing stakeholders, building alliances, and advocating product strategies Market Research & Analysis - Conduct in-depth market research to understand user needs, industry trends, and regulatory landscape for payments in India. Tech Know-how - Strong knowledge of engineering practices in product development using Agile / Scrum principles. Ensure that product requirements are feasible and technically viable. Collaborate closely with engineering teams, to prioritize features and ensure alignment with product road map goals Data-driven decision making – You will be responsible in using data and analytics to guide decisions about product development , enhancement and in deciding overall strategy of the product. Required qualifications, capabilities, and skills: 2-5 years on Product Management & MBA from top schools IIMs, ISB, FMS, MDI, etc. with a technical background preferred. Proficiency in product management and data analytics tools (JIRA , Excel , SQL etc) Passion for understanding customer needs and demonstrated ability to build digital products Ability to think strategically while still comfortable diving into the details required to ensure successful execution Highly skilled in leveraging data analytics to drive strategic product decisions Experience in Lending domain is highly preferred. Why Join Us? Airtel Payments Bank is transforming from a digital-first bank to one of the largest Fintech company. There could not be a better time to join us and be a part of this incredible journey than now. We at Airtel payments bank don’t believe in all work and no play philosophy. For us, innovation is a way of life and we are a happy bunch of people who have built together an ecosystem that drives financial inclusion in the country by serving 300 million financially unbanked, underbanked, and underserved population of India. Some defining characteristics of life at Airtel Payments Bank are Responsibility, Agility, Collaboration and Entrepreneurial development : these also reflect in our core values that we fondly call RACE.

About Lentra: Lentra is a new-age, domain-native platform built from the ground up, designed and developed to empower financial institutions with tomorrow's lending ecosystem, today. With its full-stack, fully digital, secured products and solutions, Lentra is the future of smart, seamless, secure digital lending. Our solutions cover the Indian lending stack effectively for digital origination by providing capabilities like eKYC, vKYC, eSign, eNACH, etc., besides MultiBureau(R), a comprehensive BRE for faster decisioning and configurable onboarding workflows. Reliability and minimal TATs are the key takeaways from Lentra's offerings. Our Marquee Clients including the topmost private banks in India are now future ready and encashing business opportunities. Lentra's zero risk instant lending solution will empower the FIs to leapfrog into the future. Responsibilities: The candidate has to perform the below responsibilities. - You will be partnering with cross-functional teams both on IT and business functions to drive process automation, efficiency, scalability and consistency to support business growth. - Understand how to build a mission-driven product that translates our brand promises into user experiences - Use data to discover opportunities, track product performance and support decision-making - Working closely with business leads to understanding product use cases, customer journeys, business applicability and impact of each use case. - Will have to integrate the product with various Microsystems and able to maneuver within the LOS ecosystem . - Identify, pursue and lead high potential pre-sales opportunities; - Enjoy looking into data to understand customer behavior, use analytics tools to find problems, and build solutions to address them. Candidate requirements: - Spoken and written proficiency of Bengali language. Preferably a local candidate - Bachelor's degree in engineering, computer science and/or related field - Professional experience in a product management or analytical role - Should have the detailed understanding of Technology including database, APIs and Angular JS. - Understanding of Microservices Architecture. - Strong technology background with a firm grasp on the interconnected relationship between product and engineering teams - Minimum of 4+ years of relevant experience. - Must have experience in Banking, Cards, Payment or Credit Risk Domain. - Excellent Communication Skills. Location & commitments - This is a permanent opportunity - Job location is Kolkata

Role Overview: As a City/Area Collection Manager, you will be responsible for managing field collections, driving agency performance, and ensuring delinquency targets are met. This role requires a strong leader with a deep understanding of collection processes and hands-on experience in agency management. Core Responsibilities : Strong understanding of process management in collections Proficient in working with modern collection systems Allocate and monitor delinquent accounts with collection agencies Drive resolution targets and monitor agency performance Engage with delinquent customers via calls, emails, and visits Negotiate repayment terms based on customer financial situations Maintain accurate records of collection efforts and customer interactions Handle operational activities related to repayments and debit authorizations Ensure compliance with regulatory and internal processes Deliver customer-centric solutions with empathy Experience and Qualification Required: 4 8 years experience in Collection Agency Management and Field Collections. Good Communication Skills Graduation Mandatory

Job Description: To manage a portfolio of unsecured non-performing loans (NPL) and formulating strategies for recovery action. •To provide effective management information support for diligent monitoring of NPL accounts and in ensuring prompt follow up actions. •Able to work on modern systems for operations & recovery/collection. •Allocate written off accounts to collection agencies and monitor the progress/ performance and drive on recovery targets. •Foster effective communication with internal teams and external channels for transparent recovery processes. •Effectively lead, manage and develop collections agencies across current and new open cities. Need to be flexible to travel across the cities very frequently or as & when it is required. •Provides insight and direction to the agencies & demonstrate the ability to lead and train others. •Engage in direct negotiations with customers by telephone or in person to determine the reason for default & to provide appropriate solutions to recover the outstanding amount, resolve disputes and safeguard financial interests. •Arrange for debt repayment or establish repayment schedules, based on customers' financial situations. •Timely revert on all escalation cases & ensure the recovery/collection hygiene is in control. •Collaborate with legal unit to execute recovery strategies within legal frameworks to recover the outstanding dues from the chronic defaulters. •To engage with customers who responded to our legal actions for loan recovery/collections. •Analyze market trends and transaction data, proposing recovery strategies based on quantitative analysis. •To assist in the administrative functions of Loan Recovery as assigned. •Manage operation activities with respect to Repayments and Debit authorizations. •Follow laid down processes by the Regulators and the company. Qualifications & Experience required: 6-9 Years of experience in Recovery for Unsecured Loans. •Experience in managing Volumes. •Experience in managing unsecured digital lending products is mandatory. •Graduation degree compulsory Role & responsibilities

- Exp in Banks/ NBFC - Exp in Unsecured retail loans - Should have managed DSA Channels - Should have handled Digital Lending - Exp of handling large teams - Analytical bent of mind & strong judgmental attributes

Role & responsibilities An ideal candidate would have at least 6-7 years of work experience in an NBFC or a Bank in sale of unsecured loan products. Role will involve building a new book funding SME clients, taking ownership for collection and to manage a branch / team of 3 to 4 sales representatives. Preferred candidate profile We offer challenging job role, team work, tremendous learning opportunities and potential to earn substantial incentives over and above the fixed pay. Perks and benefits Candidates with prior experience in the NCR region will only be interviewed. Salary ranges from 12 lacs to 15 lacs per annum plus incentives.

Job Purpose Business Analyst Team Member Application management in BTG primarily focusses on the following functions: 1) Executing and monitoring the Task in a Software Project life cycle, requirement conceptualization, requirement gathering, functional specifications, functional testing and roll-out 2) Application Support 3) Application Training to the Users Job Responsibilities(JR) : 6- 8 Areas : Change Management, Application Support, Implementation of Regulatory guidelines and mandates, Stakeholder Management & Teamwork and Vendor Management Actionable (4-6): Having experience into Retail Asset and Liabilities Domain into Home loans, Digital loan and Mortgages etc is mandatory Project Management for Application developments enhancement upgradation Data migration Meet regulatory requirements Enable better operations process to reduce business risk. Training to users Data Analysis when doing the requirements to iron out potential future issues Regular updates in Project Management Tool. To support users with regards to Application queries and Application issue resolution System Fault Report (SFR) management Data Analysis for reconciliation and to identify leakages or where processes are breaking to further fine tune the journeys Ensuring observation in Audit Compliance reports are tracked for closure Representing the bank in areas handled in case of RBI inspection investigation by other regulatory agencies Ensuring Information security guidelines are adhered Ensuring all the governance processes are adhered to as part of the regular work activities Ability to work as a team and collaborate across cross functional teams of the bank with objective to closure of task as per committed timelines Identify potential issues and do timely escalations. Keep team lead updated on day-to-day workings and action items Ensuring good relationship with all the software vendors Asking for regular updates from vendors on their task Ensuring proper governance process is followed in all the activities related to vendor like PO processing etc. Having regular meetings with vendors to review the various aspect in relationship Educational Qualifications Graduate or Postgraduate Relevant Certifications if any will be an added advantage (E.g.: Agile/Scrum/Oracle/PMP/CAIIB etc.)