Senior Manager – Credit & Operations

Senior Manager – Credit & Operations

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About Credflow

Credflow is a fast-growing full-stack SME lending platform, on a mission to make India’s SMEs cash-rich. We’re solving the credit gap by leveraging data-driven underwriting, intelligent operations, and seamless capital disbursement. We’re currently disbursing ₹7 Cr monthly and are on our way to scaling this to ₹25 Cr and beyond.

Role Overview

Senior Manager – Credit & Operations

You will work directly with the leadership team to drive credit quality, turnaround time (TAT), automation, and operational efficiency across the lending lifecycle.

Key ResponsibilitiesCredit Management

• Own and manage the end-to-end credit underwriting process for unsecured SME loans.
• Evaluate GSTR, bank statement, and bureau data to assess creditworthiness.
• Collaborate with data and product teams to build semi-automated scorecards and underwriting models.
• Monitor portfolio quality, delinquency trends, and credit policy adherence.
• Continuously refine credit policies based on feedback loops and portfolio performance.

Operations Management

• Lead the post-sanction operations, including documentation, agreement execution, and disbursement.
• Ensure seamless coordination between sales, credit, and finance teams to minimize TAT.
• Set up processes and systems to track and streamline operational tasks.
• Monitor compliance, audit readiness, and risk management practices.

Team & Process

• Build and manage a lean credit & ops team as volumes scale.
• Create SOPs, SLAs, and review mechanisms for process control.
• Work with tech/product teams to automate routine tasks and workflows.

Requirements

• 5–8 years of experience in lending operations and/or credit underwriting in an NBFC, fintech, or bank.
• Strong understanding of SME lending, unsecured credit, and regulatory compliance.
• Hands-on experience with financial statement analysis, bank data, GSTR, and bureau interpretation.
• Ability to create processes, drive metrics, and manage cross-functional coordination.
• Comfort working in a fast-paced, entrepreneurial setup.

Good to Have

• Experience in early-stage lending fintechs or building 0-to-1 credit products.
• Exposure to technology tools for underwriting, operations, or CRM.
• CA/MBA/Engineers with strong analytical acumen.

Why Credflow?

• Work directly with the founder & leadership team on a high-impact mission.
• Be part of a rapidly growing fintech changing the face of SME lending.
• Competitive compensation, high ownership, and a sharp execution-driven culture.

Compensation

12-20 lakhs/annum