Job Title: VP Head of Operations Credit & Financial Products (Loans)

Experience: 914 Years

Location: Mumbai

Salary: Competitive / Best in Industry + Esops

Employment Type: Full time, Permanent

Industry: Fintech / Financial Services / Banking

Job DescriptionAbout the Role:We are seeking a highly accomplished, tech-savvy financial leader to head the end-to-end management, underwriting, and operations of our loan portfolios and advanced financial products. Reporting directly to the executive leadership team, you will take total ownership of our credit lifecycle—encompassing retail assets, working capital solutions, and large-scale corporate loans.The ideal leader brings strong corporate banking connections, a robust track record of scaling monthly disbursals, and the operational excellence required to guide a high-performing team of 25+ professionals.

Key Responsibilities:

- End-to-End Operations: Oversee the comprehensive day-to-day operations of the credit division, ensuring seamless credit assessment, loan verification, and disbursement workflows.
- Portfolio & Disbursals: Drive and maintain a consistent monthly disbursement velocity of 25 Crores to 50 Crores across retail, MSME, and diverse financial products.
- Credit Strategy & Underwriting: Manage credit risk portfolios, underwriting standards, and structural evaluations for working capital loans, business lending, and large corporate facilities.
- Strategic Growth & Lead Gen: Design and implement data-backed lead generation strategies to aggressively scale loan acquisition channels.
- Stakeholder Management:



Leverage a deeply established personal network of 30+ non-retail banking contacts to create institutional alliances, optimize cost of funds, and manage syndication.
- Team Leadership: Mentor, coach, and scale a cross-functional operations and credit team of 25+ members to drive high operational efficiency.
- Tech Automation: Collaborate with tech teams to integrate automated credit evaluation models, reducing turnaround time (TAT) while maintaining strict regulatory risk controls.

Candidate Profile & Key Requirements:Education:

- Mandatory: Chartered Accountant (CA) OR Regular Full-Time MBA in Finance / Banking from a Tier-1/Tier-2 business school.

Experience & Skills:

- Years of Experience: 9 to 12 years of core experience within Commercial Banking, Corporate Credit, or scaling FinTech Lending platforms.
- Team Handling: Proven experience managing a large direct team size of at least 20–25 people.
- Domain Depth: Complete mastery over Retail Loans, Working Capital structuring, Large Corporate Loans, and asset advisory frameworks.
- Network Baseline: Must have existing, active corporate relationships with 30+ institutional/wholesale banking leaders (not limited to retail bank branches).
- Tech-Savvy: Highly comfortable working with digital onboarding platforms,



Finacle/modern core banking systems, and automated credit risk architectures.

KEY SKILLS Loans, Credit Operations, Working Capital Loans, Loan Disbursement, Large Corporate Loans, Team Management, Financial Advisory, Lead Generation, CA Finance, MBA Finance, Corporate Banking Relationships, Asset Management, Risk Underwriting

Lending & Asset Products:

Loans, Credit Operations, Loan Disbursement, Retail Loans, Business Loans, Working Capital, Corporate Lending, Wholesale Banking, Credit Advisory, Large Corporate Loans, Portfolio Management, Underwriting.

Leadership & Scale:

Head of Operations, Operations Director, Team Management, Scale Management, Monthly Disbursements, Strategic Sourcing, Process Leadership, People Management, Team Lead.

Qualifications & Credentials:

CA, Chartered Accountant, MBA Finance, Post Graduate Diploma in Banking, Core Banking, Finacle.

Strategy & Technology:

Lead Generation, FinTech Operations, Digital Lending, Risk Mitigation, Strategic Partnerships, Institutional Banking, Cost of Funds, Credit Automation.

1. Have you completed a regular MBA in Finance/Banking or cracked your CA? (Yes/No)
2. What is the maximum size of a team you have directly managed? (Dropdown: Less than 10 / 10-20 / 25 or more)
3. What is your average monthly loan disbursement volume handled in your previous/current role? (Dropdown: Under 10 Cr / 10-25 Cr / 25-50 Cr / Above 50 Cr)
4. Do you possess a strong network of 30+ professional contacts in institutional/wholesale banking? (Yes/No)

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