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, APIs, technology vendors, and service providers.
- Build and manage dashboards for operational performance, TAT, disbursal efficiency, and customer experience metrics.

5. Compliance, Regulatory & Audit Support

- Ensure all operational and credit processes meet RBI guidelines applicable to NBFCs.
- Maintain robust documentation, record‑keeping, and audit trails for all business activities.
- Support internal and external audits, inspections, and regulatory reporting requirements.
- Oversee KYC/AML compliance and fraud‑risk management.

6. Team Building & Leadership

- Recruit, train, and lead operations and credit teams as the business scales.
- Promote a high‑performance culture with strong accountability, discipline, and continuous improvement.
- Provide functional leadership across credit, operations,



and customer support teams.

7. Vendor, Partner & Stakeholder Management

- Manage relationships with technology partners, lending partners, credit bureaus, and other ecosystem players.
- Negotiate SLAs, review performance metrics, and monitor service standards.
- Coordinate with senior management and investors on business updates and portfolio performance.

8. Reporting & Analytics

- Prepare MIS reports for Board, Management, and regulatory bodies.
- Track and monitor KPIs: disbursements, unit economics, portfolio performance, collections, TAT, operational efficiency, etc.
- Use data to drive decision-making and strategic improvements.

Required Qualifications & Skills

- Have Experience in Payday Loan :

- 3-5 years of experience in digital lending , preferably in FinTech or NBFC.

- Deep knowledge of credit underwriting , loan lifecycle, and digital lending systems.

- Strong understanding of BRE design and implementation .

- Hands‑on experience with LOS, LMS, KYC systems, API‑based digital workflows.

- Strong analytical, leadership, and problem-solving skills.

- Ability to work in a startup environment with ownership and agility.

Why Join Us

- Opportunity to build an NBFC from ground up.
- High ownership role with strategic importance.
- Rapid‑growing digital lending environment.
- Direct exposure to founders and leadership team.

Pay: ₹500,000.00 - ₹1,200,000.00 per year

Experience :

- Payday loan: 4 years (preferred)

Work Location: In person

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