Chief Operating Officer (COO) – Consumer FinTech | Bengaluru

We are partnering with a high-growth, profitable Consumer FinTech company operating in the U.S. market to hire a Chief Operating Officer (COO).

This is a high-impact, operations-first leadership mandate, working directly with the CEO and Executive Leadership Team to build and scale a technology-led operating engine for the company's next phase of growth.

Key Responsibilities

- Own and scale Core Operations, Banking Operations, Payments, Credit Operations, Compliance Operations, KYC, Fraud & Risk Operations, Process Excellence and Customer Success.
- Build scalable operating models supporting rapid growth across customers, products, transactions and revenue.
- Drive automation and build an AI-first operating model across key operational processes.
- Establish strong operational controls, SLAs, governance, quality standards and performance metrics.
- Improve productivity, turnaround time, cost-to-serve, operational reliability and customer outcomes.
- Partner closely with Product, Engineering, Data, Finance, Compliance and Risk teams.
- Manage and develop senior operational leaders across multiple functions.
- Drive operational readiness for new products, partnerships and customer segments.
- Contribute to unit economics, commercial outcomes and progressively take on broader business/P&L; ownership.

The original mandate specifically emphasizes AI-led automation and technology-enabled operations across payments, credit, KYC, compliance, reconciliations, risk and customer servicing.

Ideal Profile

- 18+ years of experience with significant senior operational leadership exposure.
- Strong career foundation in Operations / Business Operations / Banking Operations / Payments / Credit / Risk / Compliance / Process Excellence.
- Leadership experience in a high-growth FinTech, digital-first bank, technology-led financial services or consumer technology company.
- Proven experience scaling complex, technology-enabled operations.
- Strong understanding of automation, AI-led operations, KYC, fraud, risk and operational controls.
- Experience managing multiple functions and senior leadership teams.
- Exposure to P&L;, unit economics and business ownership would be highly valued.
- U.S.



Consumer FinTech experience would be a strong advantage.
- Founders/ex-founders and candidates with top-tier consulting backgrounds followed by substantial operating leadership experience are particularly relevant.

Location: Bengaluru Level: CXO / Executive Leadership

Industry: Consumer FinTech

This is an excellent opportunity for an accomplished operating leader to join a rapidly scaling business and potentially evolve from functional leadership toward BU/P&L; ownership based on impact and business readiness.

Interested candidates / relevant referrals can connect with me directly or share their profile at [email protected].

Rajnish Gupta

Founder – CareerKhoj Consulting

Technology Executive Search & Talent Advisory change some words, so that one can not copy and search

Yes. Better to rewrite it substantially, change the structure and terminology, and avoid highly searchable phrases/numbers from the original JD. Here is a more confidential LinkedIn version:

Confidential Search | Chief Operating Officer – FinTech | Bengaluru

We are working on a confidential COO mandate for a rapidly scaling, technology-led financial services platform with a significant international consumer business.

We are looking for a senior leader who has built and scaled complex operating functions, ideally within FinTech, digital banking, consumer lending, payments or another high-growth technology business.

The Mandate The COO will work closely with the Founder/CEO and leadership team and take ownership of the company's end-to-end operating ecosystem.

Key areas of responsibility will include:

- Build and scale business-critical operations for the company's next growth phase.
- Lead multiple operational verticals spanning financial transactions, credit servicing, customer onboarding, risk controls, regulatory processes and customer operations.




- Create a highly technology-enabled and automation-driven operating environment.
- Strengthen process governance, operating controls, service quality and execution discipline.
- Improve efficiency, customer experience, turnaround time and cost of operations.
- Work closely with Product, Technology, Data, Finance and Risk leadership.
- Build and mentor a strong second line of senior operating leaders.
- Support the launch and operationalization of new products and strategic partnerships.
- Play an increasingly broader role across business performance, economics and P&L;.

The underlying mandate is broader than conventional customer-service leadership; the original role specifically requires substantial depth in core, regulated and technology-enabled operations. Who Could Be a Solid Fit?

We would particularly like to speak with leaders who bring:

- Around 18+ years of overall experience with significant leadership responsibility.
- Strong grounding in FinTech / Digital Financial Services / Consumer Internet / Technology-led Banking.
- Experience managing large and complex operating environments.
- Exposure to areas such as payments, lending/credit, financial operations, controls, risk, compliance or operational transformation.
- Strong orientation toward AI, automation, data and process digitization.
- Experience leading senior managers and multiple functional teams.
- Understanding of business economics and preferably some exposure to P&L;/BU ownership.
- Experience supporting U.S. or other international consumer markets would be advantageous.
- Entrepreneurial experience or a strong strategy-consulting foundation followed by meaningful operating roles can also be relevant.

Why Consider This Opportunity? This is not a traditional COO role focused purely on administration or customer support. It is a scale-building leadership opportunity with significant influence across operations, technology, customer outcomes and business performance.

The role also has the potential to evolve into broader business-unit leadership and P&L; responsibility as the organization scales. This progression is an explicit element of the underlying mandate.

? Location: Bengaluru

? Level: CXO / Executive Leadership

- ? Company: Confidential Consumer FinTech

📌 Chief Operating Officer (Bengaluru)
🏢 Fintech (Startup)
📍 Bengaluru