About the Role

We are a fast-growing digital lending platform disbursing micro-loans (instant, app-based, ~10-minute TAT) to retail/underserved borrowers. We're looking for a VP to own the entire loan lifecycle end-to-end — from lead/application to disbursal, servicing, collections, NPA management, and regulatory compliance. This is a business-critical, P&L-linked; leadership role reporting directly to the Founder/CEO.

Role Summary

The VP – Lending Operations will act as the process owner and single point of accountability (A to Z) for the loan business — ensuring fast, compliant disbursals, healthy portfolio quality, solid collections, and audit-ready compliance, while building scalable systems, teams, and vendor/partner relationships (NBFC/co-lending partners, collection agencies, credit bureaus, payment gateways).

Key Responsibilities

1. End-to-End Loan Lifecycle Ownership

Own the full funnel: lead generation → app onboarding → KYC → credit underwriting/scoring → disbursal (10-min TAT) → repayment → collections → closure/write-off.

Continuously improve TAT, drop-off rates, and disbursal accuracy without compromising risk.

2. Credit Risk & Underwriting Oversight

Monitor credit policy, risk scorecards/rules engine performance, bureau checks (CIBIL/Experian/CRIF), and fraud detection.

Track portfolio quality — GNPA/NNPA, vintage delinquency (DPD buckets), bounce rates — and recommend policy tightening/loosening.

3. Collections & Recovery Management

Build and manage in-house + outsourced collections (tele-calling, field, digital nudges,



legal/recovery agents).

Own collection efficiency, roll-rate reduction, bucket-wise (0-30/30-60/60-90/90+) recovery targets, and settlement/write-off policy.

Manage relationships with collection agencies and legal/recovery partners.

4. Compliance, Legal & Regulatory

Ensure full compliance with RBI digital lending guidelines, Fair Practices Code, data privacy (DPDP Act), KYC/AML norms.

Liaise with NBFC/bank lending partners on co-lending/DLA (Digital Lending App) compliance, audits, and regulatory reporting.

Own grievance redressal, customer communication compliance, and interest-rate/APR disclosure norms.

5. Operations, Technology & Process

Work with product/tech teams to improve app UX, automate underwriting/collections workflows, and reduce manual intervention.

Set up dashboards/MIS for real-time monitoring of disbursals, portfolio health, and collections.

6. Team & Vendor Management

Build, lead, and mentor teams across credit ops, collections, compliance, and customer support.

Manage external partners: NBFC/lending partners, collection agencies, KYC/bureau vendors, payment gateways.

7. P&L; & Reporting

Own lending business P&L; — disbursal volumes, yield,



cost of collections, credit losses, NIM.

Present business/portfolio performance to Founder/CEO/Board/Investors periodically.

Requirements

Qualification: CA (preferred) / MBA Finance / CFA from a reputed institute.

Experience: 10–15+ years in NBFC/Fintech/Digital Lending, with at least 4–5 years in a senior leadership role (Head/VP/COO) owning lending operations, credit, or collections.

Strong hands-on understanding of digital lending, unsecured micro-loans, instant/app-based lending models.

Deep knowledge of RBI regulatory framework for digital lending, NBFC co-lending guidelines, credit bureau ecosystem.

Proven track record of managing NPA/collections at scale and improving portfolio quality metrics.

Strong analytical ability — comfortable with credit risk metrics, MIS, dashboards, and data-driven decisioning.

Experience managing cross-functional teams (Credit, Collections, Compliance, Ops, Customer Support) and external vendor ecosystems.

Prior exposure to NBFC/bank partnerships, co-lending arrangements, or Digital Lending App (DLA) compliance strongly preferred.

What We Offer

Full ownership of the lending business — direct impact on company's core revenue engine.

COO-level scope and visibility with the Founder/CEO and Board.

Competitive compensation + performance-linked incentives/ESOPs (as applicable).

Pay: ₹2,000,000.00 - ₹2,500,000.00 per year

Benefits:

- Flexible schedule
- Leave encashment

Work Location: In person

📌 Vice President – Lending Operations (India)
🏢 Cybrain software solutions
📍 India