About the Role

We're looking for a high-impact Manager Credit & Operations to own the end-to-end credit operations function for our NBFC. You will drive underwriting excellence, optimize lending operations, strengthen portfolio quality, and build scalable, tech-enabled processes. This role partners closely with Risk, Product, Engineering, and Business teams to enhance credit decisioning, improve operational efficiency, and deliver a seamless customer lending experience.

Responsibilities
Own the end-to-end lending lifecycle, including customer onboarding, KYC/AML, bureau analysis, underwriting, loan processing, disbursement, servicing, and repayment operations.
Drive high-quality credit decisions by ensuring adherence to credit policy, underwriting governance, risk appetite, and portfolio quality objectives.
Monitor and optimize key business metrics including TAT, approval rates, FPD, early delinquency, operational SLAs, and productivity.
Collaborate with Risk and Analytics to enhance scorecards, underwriting policies, decision engines, and credit rule frameworks.




Partner with Product and Engineering to automate workflows, improve LOS capabilities, and implement scalable, data-driven operational processes.
Establish robust SOPs, maker-checker controls, audit readiness, and compliance with RBI regulations and internal governance standards.
Lead, coach, and develop high-performing underwriting and operations teams while driving a culture of ownership, accountability, and continuous improvement.
Leverage MIS and operational dashboards to generate actionable insights and support data-driven decision-making.

Requirements
3–6 years of experience in underwriting, credit risk, or lending operations, with a minimum of 3 years in an NBFC, fintech lender, or retail banking workplace.
Solid expertise in retail lending products such as Personal Loans, Consumer Loans, MSME Lending, Digital Lending, or Secured Lending.
Proven experience in credit apprais

📌 Manager Credit & Operations Bengaluru
🏢 Zet
📍 Bengaluru