Regional Credit Head / Product Manager – Lending Automation

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.