Job Description

Role Overview

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We are looking for a Senior Manager – Consolidation Business to drive the growth and development of our Debt Consolidation / DCP (Debt Consolidation Program) business. The role will be responsible for building and scaling the business through strong sales leadership, lending partnerships, distribution relationships, and a highly metrics-driven approach.

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The ideal candidate will come from a Banking, NBFC, personal loans, lending distribution, or tele-sales environment and should have a strong understanding of lending products and the consumer credit ecosystem.

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About the Consolidation Business

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Debt consolidation involves clubbing multiple existing loans/credit obligations into a single loan, enabling customers to potentially reduce their overall EMI burden, manage repayments more efficiently, and in certain cases benefit from better interest rates.

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While personal loans form an important subset of the business, the role requires broader experience across lending and loan consolidation.

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Key Responsibilities

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- Own and drive the Consolidation / DCP business, with end-to-end responsibility for business growth and performance.
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- Develop and execute strategies to scale the consolidation portfolio and achieve revenue, disbursement, conversion, and profitability targets.
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- Lead and manage number-driven sales teams, with a strong focus on productivity, conversion, funnel management, and achievement of business KPIs.
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- Build and maintain strong relationships across the lender ecosystem, including banks, NBFCs, lending partners, and personal loan distribution companies.
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- Identify and develop new lender and distribution partnerships to improve product availability, customer eligibility, and business volumes.
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- Work closely with lender-side operations, credit, underwriting,



and sales teams to ensure smooth customer journeys and high conversion rates.
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- Understand customer credit profiles and identify opportunities to consolidate multiple loans into a suitable lending solution.
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- Drive tele-sales / inside-sales channels, where applicable, and optimize processes for lead conversion and disbursement.
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- Monitor key business metrics including lead generation, login rates, approval rates, sanction rates, disbursement, TAT, conversion, productivity, and portfolio quality.
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- Build a strong sales culture focused on ownership, accountability, performance, and customer-centricity.
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- Work cross-functionally with Product, Operations, Credit, Technology, and Finance teams to improve business efficiency.
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- Identify opportunities to improve processes, reduce leakages, optimize acquisition costs, and enhance overall business profitability.
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- Develop and maintain strong market intelligence around lending products, personal loans, consumer credit, and consolidation offerings.
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Candidate Profile

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- 8–15 years of overall experience in Banking, NBFC, Lending, Personal Loans, Loan Distribution, Debt Consolidation, or related consumer finance businesses.
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- Robust sales and business ownership background, preferably in a highly target-driven environment.
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- Prior experience in lending and/or debt consolidation is strongly preferred.
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- Experience managing or working closely with tele-sales / inside-sales teams will be highly relevant.
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- Strong understanding of personal loans and consumer lending products.
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- Existing network across banks, NBFCs, lending partners, and loan distribution companies would be a significant advantage.
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- Good understanding of lender-side operations, including credit, underwriting, documentation, disbursement, and operational processes.
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- Strong analytical and numerical orientation, with the ability to manage a business through data and KPIs.
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- Demonstrated ability to build partnerships and drive business through multiple lending channels.
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- Strong people-management and stakeholder-management skills.
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- Entrepreneurial mindset with the ability to operate in a high-growth, performance-oriented environment.
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Preferred Experience

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Candidates from the following backgrounds would be particularly relevant:

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- Banks with consumer lending / personal loan businesses
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- NBFCs
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- Personal loan distribution companies
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- Digital lending / fintech companies
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- Debt consolidation / DCP businesses
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- Consumer finance companies with strong tele-sales operations
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- Lending marketplaces and loan aggregators
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Leadership & Culture Fit

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Beyond functional expertise, the role requires a candidate who can contribute positively to the organization's culture and ways of working.

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The ideal candidate should demonstrate:

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- High ownership and accountability
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- Strong ethical standards and customer orientation
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- Ability to build and motivate high-performing teams
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- Collaborative approach across functions
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- Data-driven decision-making
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- Ability to work in a fast-paced, target-oriented environment
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Strong relationship-building capabilities across internal and external stakeholders

📌 Senior Business Manager (Gurugram)
🏢 Freed
📍 Gurugram