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Regional Credit Head / Product Manager - Lending Automation

Regional Credit Head / Product Manager - Lending Automation

EFUNDZZBengaluru, Republic Of India, IN
6 hours ago
Job description

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

  • Translate 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.

    • Cross-Functional Leadership

  • 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 .

    • Candidate Profile

    Qualifications :

  • MBA (Finance), Chartered Accountant (CA), or equivalent professional qualification preferred.
  • Credit certifications or exposure to fintech platforms will be an added advantage.

    • Experience :

  • 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.

    • Skills :

  • 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.

    • What We Offer

  • 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.
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    Manager Credit • Bengaluru, Republic Of India, IN