Job Description – Program Manager – Lending Growth & Funnel

Company: CredFlow
Location: Noida, Sector 3 | Work From Office
Experience: 2–6 Years
Function: Program Management / Business Operations / Lending Growth

About CredFlow

CredFlow is a fintech company focused on helping Indian SMEs manage cash flows and access working capital solutions. We are looking for a Program Manager – Lending Growth & Funnel to drive lending growth by identifying funnel gaps, improving conversions, and working closely with Sales, Credit, Operations, and Business teams.

About the Role

The core mandate of this role is to identify where the lending funnel is leaking, understand why, quantify the business opportunity, and work with business teams to fix it.

You will own and analyse the complete lending journey:

Lead → Contacted → Qualified → Documents → Login → Credit → Sanction → Disbursal

This is a high-ownership, data-driven role focused on business outcomes and incremental lending growth, rather than reporting alone.

Key Responsibilities

1. Own the Lending Funnel

- Track every stage of the lending funnel and identify drop-offs.
- Analyse funnel performance by salesperson, geography, product, lender, customer segment, and lead source.
- Identify lead-generation and sales-capacity gaps.
- Monitor lead utilisation and ageing.

2. Identify & Solve Funnel Gaps

- Identify root causes across lead quality, sales productivity, credit, operations, and lender appetite.
- Quantify the business impact of each gap.
- Prioritise opportunities based on potential business impact.
- Work with relevant teams to implement corrective actions.

3. Be Highly Data-Driven

- Build and maintain dashboards and business reports for lending performance.
- Analyse:
- Lead quality
- Contactability
- Qualification
- Login rate
- Approval rate
- Sanction rate




- Disbursal rate
- TAT
- Lead ageing
- Evaluate lender-, product-, source-, region-, and salesperson-level performance.
- Convert data insights into actionable business recommendations.

4. Partner Closely with Sales

- Work directly with Sales Managers and sales teams to improve funnel performance.
- Identify salesperson productivity and lead-utilisation gaps.
- Set and monitor performance targets.
- Improve lead allocation and conversion.
- Run experiments and ensure implementation until the identified problem is resolved.

5. Determine Lead Requirements

- Build a bottoms-up model connecting:

Disbursal Target → Sanctions → Logins → Qualified Leads → Raw Leads

- Use historical conversion rates, salesperson productivity, lender appetite, product mix, lead quality, sales capacity, and seasonality.
- Provide accurate lead projections required to achieve monthly lending targets.

6. Drive Lending Growth Programs

- Improve lead contactability, login rates, salesperson productivity, and lead ageing.
- Develop strategies to reactivate old and unworked leads.
- Improve lender allocation based on customer and product fit.
- Strengthen qualification processes and sales scripts.
- Design targeted campaigns to improve funnel conversion.
- Define hypotheses, implement interventions, measure results, and scale successful initiatives.

Business Reviews & Continuous Improvement

- Conduct daily lending funnel monitoring.




- Lead weekly business reviews and funnel deep-dives.
- Conduct root-cause analysis and maintain action trackers.
- Track growth experiments and their business impact.
- Support monthly growth planning and lending forecasts.
- Establish a predictable, data-driven operating cadence.

Key KPIs

- Lending Disbursals
- Funnel Conversion Improvement
- Lead Utilisation
- Login Rate
- Sanction Rate
- Disbursal Rate
- Sales Productivity
- Lead-to-Disbursal Conversion
- Lead Requirement Accuracy
- Reduction in Funnel Leakage
- Incremental Business Generated Through Growth Initiatives

Golden Metric

Incremental Lending Generated Through Funnel & Growth Initiatives

The primary objective is to identify and execute opportunities that generate additional lending business and improve the predictability of the lending funnel.

Required Skills & Qualifications

- 2–6 years of experience in Program Management, Business Operations, Growth, Sales Strategy, Revenue Operations, Lending Operations, Fintech, or Business Analytics.
- Prior experience in Lending, Fintech, NBFC, Consumer Finance, or B2B Sales is preferred.
- Strong analytical and problem-solving skills.
- Excellent understanding of business funnels and conversion metrics.
- Strong proficiency in MS Excel / Google Sheets.
- Experience with SQL, Power BI, Tableau, or other BI tools is an advantage.
- Robust business acumen and stakeholder-management skills.
- Excellent communication and presentation skills.
- High ownership and execution mindset.
- Ability to work in a fast-paced startup environment.

Pay: ₹1,200,000.00 - ₹1,800,000.00 per year

Benefits:

- Paid sick time
- Provident Fund

Application Question(s):

- Current CTC?
- Notice period?

Location:

- Noida, Uttar Pradesh (Preferred)

Work Location: In person

📌 Program Manager (India)
🏢 CredFlow
📍 India