Program Manager – Lending Growth & Funnel

Location: Delhi NCR

Experience: 3–6 Years

Function: Lending / Business Operations / Growth

Reporting To: Business Leadership

Employment Type: Full-Time

About Credflow

Credflow is building the Cashflow Management OS for Indian SMEs , combining technology, financial services, and commerce to help SMEs manage cash flow and access working capital.

We are looking for a Program Manager – Lending Growth & Funnel to own and improve the lending growth engine across Data, Sales, Credit, Operations, and Business .

About the Role The core mandate is straightforward:

Find where the lending funnel is leaking, understand why, and work with the business to fix it.

You will analyse the complete lending funnel — Lead → Contact → Qualified → Login → Credit → Sanction → Disbursal — identify bottlenecks, quantify opportunities, and drive initiatives that improve conversions and lending growth.

This is not a reporting role . You will be expected to identify problems, build solutions, execute them, and drive measurable business outcomes.

Key Responsibilities

1. Own the Lending Funnel

- Track conversion across every stage of the lending funnel.
- Identify leakage, bottlenecks, and lead ageing.
- Analyse performance by salesperson, geography, product, lender, segment, and lead source.
- Identify lead and sales capacity requirements.

1. Identify & Solve Business Gaps

- Diagnose why lending targets are not being achieved.
- Identify gaps across lead quality, sales productivity, credit, operations, and lender performance .




- Conduct root-cause analysis and quantify business impact.
- Drive corrective actions with relevant teams.

1. Data & Analytics

- Build dashboards and analysis for lending performance.
- Monitor contact, qualification, login, approval, sanction, disbursal, TAT, and conversion rates .
- Identify trends and opportunities from large datasets.
- Use Excel/Google Sheets, SQL, BI tools , or similar analytics tools.

1. Sales Performance & Productivity

- Work closely with Sales Managers and sales teams.
- Identify salesperson-level productivity gaps.
- Set targets and create action plans.
- Improve lead utilisation, conversion, and sales productivity.
- Establish daily/weekly performance reviews.

1. Lead Requirement Planning

Build a bottoms-up model connecting: Business Target → Disbursal → Sanction → Login → Qualified Leads → Raw Leads

- Forecast lead requirements based on conversion rates, sales capacity, lender appetite, product mix, and seasonality.
- Ensure the sales team has adequate quality leads to achieve lending targets.

1. Growth Programs

- Identify and own initiatives to improve funnel performance.
- Run experiments around lead allocation, contactability, reactivation, qualification, lender allocation,



and sales processes.
- Measure the impact of interventions and scale successful initiatives.

1. Business Reviews & Operating Cadence

- Drive daily funnel monitoring and weekly business reviews.
- Conduct funnel deep-dives and root-cause analysis.
- Maintain action trackers and ensure timely execution.
- Build a data-driven and predictable lending operating model.

Requirements

- 2–6 years of experience in Program Management, Business Operations, Revenue Operations, Sales Strategy, Growth, Lending Operations, Business Analytics, or Consulting.
- Strong analytical and problem-solving skills.
- Excellent command of Excel/Google Sheets ; SQL and BI tools preferred.
- Strong understanding of sales funnels, metrics, and conversion analysis.
- Ability to work closely with sales and cross-functional teams.
- Strong commercial mindset with a focus on measurable outcomes.
- Excellent communication and stakeholder-management skills.
- Highly execution-oriented and comfortable working in a fast-paced startup environment.

Preferred Background Experience in Lending, FinTech, NBFC, Consumer Finance, B2B Sales, or high-volume lead operations will be strongly preferred.

Key Success Metrics

- Improvement in funnel conversion.
- Increase in lead utilisation.
- Improvement in login, sanction, and disbursal rates.
- Sales productivity improvement.
- Reduction in funnel leakage and lead ageing.
- Accuracy of lead requirement forecasting.
- Incremental lending business generated through growth initiatives.

📌 Program Manager (Noida)
🏢 CredFlow
📍 Noida