Role Overview

This role combines operational leadership with credit oversight and will play a critical role in establishing our lending systems, policies, and scalable processes.

Key Responsibility Areas (KRAs)1. Strategic Leadership & NBFC Setup
- Lead end‑to‑end operational setup of the newly incorporated NBFC in alignment with regulatory expectations.
- Assist management in formulating the company’s lending strategy, annual operational plan, and business roadmap.
- Establish SOPs, internal controls, and governance standards for all operational activities.
- Coordinate with auditors, consultants, compliance teams, and technology partners for smooth NBFC operations.

2. Credit Policy & Underwriting Management
- Develop and implement credit policies, frameworks, and risk matrices for digital lending products.
- Own and monitor the end‑to‑end underwriting process, ensuring high‑quality credit decisions.
- Analyse borrower profiles using bureau data, financials, digital footprints, bank statements, and alt‑data sources.




- Manage and optimize portfolio quality through continuous monitoring of risk indicators (DPD, bounce rate, NPA, etc.).
- Collaborate with data science and product teams to define rules for automated underwriting.

3. Business Rule Engine (BRE) System Formation
- Lead the requirements gathering, design, and development of the BRE for digital loan products.
- Translate credit policies into system‑driven rules, scorecards, and automated decision workflows.
- Ensure seamless integration of BRE with LOS, LMS, KYC, and external data APIs.
- Conduct regular testing, calibration, and refinement of the BRE to improve decision accuracy and turnaround time.

4. Digital Lending Operations
- Establish and manage end‑to‑end digital lending operations, including onboarding, KYC, disbursement, collections, and customer servicing.
- Ensure operational efficiency through automation, workflow standardization, and system optimization.
- Coordinate with FinTech partners

📌 Coo Credit Manager (Mumbai)
🏢 Censeo Capital Private
📍 Mumbai