Ninjacart
- Pioneer. Challenge Yourself. Create Better Lives. Ninjacart is India’s largest multi-category, multi-channel fresh produce fulfillment platform, working to make fresh produce agriculture more predictable and dependable. Our mission is to reduce food wastage, bridge information gaps in agricultural trade, and connect reliable sellers with trusted buyers. Over the last 10 years, we’ve built India-focused technology and solutions that are transforming how fruits and vegetables move from farms to consumers’ plates every day. Today, we’ve served 200,000+ farmers, 60,000+ retailers and 5,000+ traders. For example, we can move 300 tons of fresh produce from hundreds of farms to 20,000+ stores in just 14 hours. We’re backed by Walmart, Flipkart, Tiger Global, Accel and Syngenta, with a team of 1,000+ employees. We’ve also been recognised among LinkedIn’s Top 25 Startups to Work For and received the “Best Tech for Agriculture” award at the India Digital Enabler Awards 2025. We’re now expanding beyond India through Ninja Global, with operations growing into Malaysia and Europe. Our ambition is to build a global network for fresh fruits and vegetables and become a global leader in fresh produce commerce over the next 10 years. Our Ninja CODE is built around four values: Customer Obsession, Ownership Mindset, Dream Big & Bold Responsibility, and Relentless Innovation. Dive Deeper: ● How Ninjacart has evolved in the last 8 years: https://www.youtube.com/watch?v=J9Kts-O7tv4 ● Ninjacart Blog : https://www.ninjacart.in/blog/ ● Nandan Nilekani on Ninjacart : https://www.linkedin.com/posts/ninja-cart_tech-pioneersatwork-ninjacart-activity-70272811666175 05792-pciW ● Building a great workplace
- Ninjacart’s top priority: https://www.ninjacart.in/blog/building-a-great-workplace-ninjacarts-top-priority/ ● Ninjacart Culture CODE: https://www.linkedin.com/posts/ninja-cart_ninja-code-our-values-activity-7076821402548387840-KuL1

Location:
Bangalore

About the role
We are looking for a high-ownership Manager – Fintech Strategy to drive the lending solutions, growth and profitability of Ninjacart's lending business. This role will own strategic initiatives across Lending Product Offerings, working closely with Product, Partnership, Business, Operations, Risk, Engineering, Finance, and Lending Partners to build scalable lending solutions, improve operational efficiency, and drive portfolio growth. Responsibilities ● Lending Product Strategy: Identify opportunities to build, improve,



and scale lending products and solutions based on customer needs, business priorities, market trends, and portfolio performance. ● Business & Portfolio Growth: Own initiatives focused on increasing lending penetration, disbursement volumes, customer adoption, repeat usage, and overall portfolio growth. ● P&L; and Commercial Ownership: Track and improve key business metrics including revenue, margins, cost of acquisition, portfolio quality, contribution margins, and overall P&L; performance. ● Strategic Problem Solving: Identify complex business problems and develop data-driven solutions, balancing customer needs, business objectives, risk, and commercial viability. ● Cross-Functional Leadership: Work closely with Product, Business, Operations, Risk, Engineering, Finance, and Lending Partners to translate strategy into scalable and executable initiatives. ● Lending Partner Management: Collaborate with banks, NBFCs, fintechs, and other lending partners to evaluate opportunities, improve existing partnerships, and develop new lending propositions. ● Portfolio Performance: Monitor portfolio health, disbursement trends, repayment behaviour, delinquency, and other lending metrics to identify opportunities and risks. ● Data & Business Analytics: Leverage data and business insights to identify growth opportunities, diagnose performance gaps, develop hypotheses, and make informed strategic decisions. ● Process & Operational Efficiency: Identify operational bottlenecks across the lending lifecycle and drive initiatives to improve turnaround time, customer experience, scalability, and cost efficiency. ● Experimentation & New Initiatives: Lead business experiments, pilots, and new lending initiatives from problem identification and business case development through execution, measurement, and scale-up. ● Market & Competitive Intelligence: Track fintech and lending industry trends, competitor offerings, regulatory developments, and emerging business models to identify strategic opportunities. ● Stakeholder Management: Drive alignment among senior stakeholders and cross-functional teams, ensuring clear ownership, timelines,



and measurable outcomes for strategic initiatives. ● End-to-End Ownership: Take initiatives from strategy and business case creation through execution, performance tracking, and continuous improvement, ensuring measurable business impact. A Ninja is resilient, smart, and ambitious. Sounds like you? Here’s what you will need to have to join the Ninja Clan ● 5-8 years of relevant experience in a Fintech role, preferably in a FinTech/Bank/NBFC ● Good understanding of the overall fintech and lending ecosystem in India ● Familiarity with underwriting, KYC, credit bureaus, repayment ecosystems, or lending operations in India’s context is a solid advantage. ● Experience in scaling lending businesses through sales & distribution channels, partnerships, and performance marketing/customer acquisition initiatives is highly preferred. ● Smart and driven individual who can ideate, build and implement initiatives to drive critical outcomes ● High sense of ownership and ability to drive projects to execution by building consensus among stakeholders ● Experienced in structuring ambiguous problems with an ability to think laterally and in multiple dimensions ● Communication and presentation skills to effectively deliver complex, data driven insights to management ● Organized and focused on delivering tasks within defined deadlines Who Should Not Apply This role is best suited for individuals who enjoy building businesses, solving ambiguous problems, and taking end-to-end ownership. This role may not be the right fit if you: ● Prefer narrowly defined responsibilities over broad business ownership. ● Are looking for a pure Product Management, Operations, or Project Management role. ● Are uncomfortable working with data, commercial metrics, and P&L-driven; decision-making. ● Prefer execution without strategic ownership, or strategy without hands-on execution. ● Thrive only in highly structured environments with minimal ambiguity. Additional Information At Ninjacart, we are creating a workplace that enables everyone to find their true potential, purpose, and passion irrespective of their background, gender, race, sexual orientation, religion and ethnicity. We are committed to providing equal opportunity for all and believe that diversity in the workplace creates a more vibrant, richer work environment that advances the goals of our employees, communities and the business. Check out what Life at Ninjacart looks like

📌 Manager - Fintech Strategy (Bengaluru)
🏢 Ninjacart
📍 Bengaluru