Regional Credit Head / Product Manager – Lending Automation
EFUNDZZBengaluru, Karnataka, India2 hours ago
Job descriptionTranslate credit workflows and business logic into functional specifications for the product and technology teams. Define automated credit rules, scoring logic, and decision tree models within lending platforms. Collaborate with data, tech, and operations teams to ensure seamless implementation of product enhancements. Evaluate and integrate external data sources — including bureau data, GST, ITR, and bank statements — into underwriting processes. Act as the key interface between Credit, Product, and Technology teams. Provide training and guidance to regional credit analysts and business teams. Represent the region in credit committee discussions, audits, and policy reviews . MBA (Finance), Chartered Accountant (CA), or equivalent professional qualification preferred. Credit certifications or exposure to fintech platforms will be an added advantage. 5–10 years of relevant experience in credit / risk management for unsecured or business loans . Proven track record in credit appraisal, underwriting, or risk evaluation within an NBFC, digital lender, or financial institution. Exposure to fintech product environments or lending automation systems (LOS / LMS / API-driven workflows) preferred. Strong analytical and financial assessment skills. Deep understanding of credit risk, compliance, and policy formulation . Ability to work closely with product and technology teams. Excellent communication, leadership, and decision-making abilities. Opportunity to lead the development of credit automation products for a fast-growing fintech ecosystem. Exposure to both credit strategy and product ownership , enabling multidimensional career growth. Collaborative environment backed by a strong group ecosystem with active investments in fintech innovation. Competitive compensation and performance-linked incentives.
We are seeking a Regional Credit Head / Product Manager – Lending Automation with strong expertise in unsecured business loans, credit policy, and risk assessment .
This role is ideal for professionals from NBFC or lending backgrounds who have a solid understanding of credit evaluation and want to transition into a fintech product leadership role .
The position blends credit domain leadership with product ownership , offering the opportunity to shape the future of digital credit systems.
Key Responsibilities
Credit & Risk Management
- Evaluate unsecured and SME / business loan proposals, define credit underwriting parameters , and establish decisioning frameworks.
- Design risk and credit policies aligned with business goals, product strategy, and regulatory norms.
- Work with NBFC / lending partners to structure co-lending or embedded credit models .
- Continuously monitor portfolio performance and recommend data-backed policy refinements .
Product Strategy & Development
Cross-Functional Leadership
Candidate Profile
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Regional Credit Head / Product Manager – Lending Automation • Bengaluru, Karnataka, India
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