Business Head Buyer Credit (Fintech) Tata Cummins

5.0 - 9.0 years

0 Lacs

noida, uttar pradesh

On-site

IndiaMART is India's largest online B2B marketplace, connecting buyers with suppliers. With a 60% market share in the online B2B Classified space in India, we focus on providing a 360-degree solution to Small & Medium Enterprises (SMEs), Large Enterprises, and individuals. Our company, founded in 1999, aims to make doing business easy and has gained the trust of 138 mn+ buyers, 67 mn+ sellers, and offers 76 mn+ products & services on our platform, resulting in 50 mn+ business enquiries every month. Buyer Credit is a digital lending solution within our product portfolio designed to facilitate procurement on our marketplace. Many buyer enquiries, especially for machinery and capital equipment, require access to working capital or term loans. Buyer Credit addresses this need by seamlessly integrating Lending Offers into the RFQ (Request For Quote) workflow. The product ensures a digital end-to-end journey for buyers, from application to disbursal, with instant eligibility checks and e-sign integration. It offers flexible financing options such as term loans, invoice financing, and equipment-specific products tailored to SME cash-flow cycles. We have established partnerships with banks, NBFCs, and fintech lenders to underwrite and service loans while providing lead flow, user experience, and collections support to enhance conversion rates and reduce credit risk. Our approach to underwriting is data-driven, utilizing on-platform behavior, transaction history, and third-party credit bureau data to develop custom scoring models for rapid decision-making. Buyer Credit not only enhances buyer engagement but also creates a new revenue stream through origination fees, interest income shares, and partner revenue-share models.,

Posted 1 week ago

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