Assistant Manager – Credit Enablement

Rang De; India; Remote; INR 600,000 - 900,000; Full time

Job summary

A fintech startup in India is seeking an Assistant Manager – Credit Enablement to build and strengthen lending capabilities. This role involves designing training programs, analyzing loan data, and collaborating with compliance teams to ensure regulatory adherence. Ideal candidates should have a bachelor's degree in finance and 1-2 years of experience in credit management. This position is remote with occasional travel for trainings. Interested candidates should apply via email to join a team dedicated to creating positive social impact.

Qualifications

• Bachelor's degree in Finance, Commerce, Economics, or related field required.
• MBA in Finance or related specialization preferred.
• 1-2 years in credit management, risk assessment, or financial services.

Responsibilities

• Design and deliver training programs on credit policies and risk assessment methodologies.
• Analyze historical loan data to identify performance trends and default patterns.
• Collaborate with compliance and legal teams on regulatory adherence.

Skills

Credit analytics

Risk assessment methodologies

Presentation skills

Data analysis using Excel

Education

Bachelor's degree in Finance

MBA in Finance

Tools

Excel

SQL

Tableau

Power BI

Job description

Rang De (www.rangde.in) is a fintech startup that aims to revolutionize credit access for underserved communities by connecting individual lenders and borrowers together, cutting out the need for an intermediary, and offering highly customized and affordable loans than traditional lenders.

Having pioneered the model in India in 2008, Rang De's purpose built technology platform has proved to be game changing for providing timely access to credit for thousands of farmers and entrepreneurs. We recently pivoted into an NBFC-P2P and have a highly differentiated model from other peer-to-peer lending platforms.

Application note: To help us review applications thoughtfully, we only consider submissions sent via email. Please find the "How to Apply" section below.

We are a small team with big dreams and are seeking highly talented and experienced individuals to join us in this crucial role for expanding our impact and driving meaningful change in underserved communities.

Role: Assistant Manager – Credit Enablement

Work mode: Remote (Travel to partner locations may be required for offline trainings and field audits.)

Role Overview:

The Assistant Manager - Credit Enablement is responsible for building and strengthening the organization's lending capabilities and expertise. This role ensures the Partner team has sufficient understanding and expertise in origination and credit process. This role enables them to have the tools, knowledge, and processes needed to assess the borrower selection, onboarding and credit risk accurately while maintaining RBI compliance for P2P lending platforms.

Responsibilities:

Training & Capacity building

• Design and deliver training programs on credit policies, underwriting standards, Rang De SOPs relevant to origination and risk assessment methodologies for partner teams
• Develop training manuals, case studies, and best practice documentation aligned with RBI P2P lending guidelines
• Conduct regular workshops on CIBIL/credit scoring, fraud detection, and borrower assessment techniques

Credit Policy & Process Development

• Identify and update key findings in the context of lesson learnt to improve process and systems with cross-functional teams of Rang De
• Update through the documentation the suggestions to credit policies, underwriting guidelines, and risk appetite frameworks of Rang De
• Document standard operating procedures (SOPs) for credit assessment and loan decision-making
• Analyse historical loan data to identify performance trends, default patterns, and portfolio quality metrics
• Generate periodic reports on portfolio health, stress testing, and early warning indicators
• Recommend policy adjustments credit teams based on portfolio performance and portfolio trends
• Develop fraud detection frameworks and tools to identify suspicious applications and train the partner staff as well as the Impact Operations team at Rang De
• Conduct risk assessments on high-value loans and partner institutions and schedule the refresher courses for the partners
• Monitor Partner Field Staff performance and develop touch-points to reach and fix the issues in the context of Rang De vision alignment

Cross-functional Collaboration

• Work with origination teams to ensure credit standards are maintained and borrower selection due diligence is on track
• Collaborate with technology teams on issues related to tech and product based on regular feedback from the partner
• Partner with compliance and legal teams on regulatory adherence
• Support Repayments and Quality teams in constant upgradation and alignment of partner teams with Rang De SOPs

Required Qualification

• Bachelor's degree in Finance, Commerce, Economics, or related field
• MBA in Finance or related specialization preferred

Experience

• 1-2 years in credit management, risk assessment, or financial services
• Good to have minimum 1 year in digital lending, NBFC, or P2P lending platforms
• Proven experience in credit policy development and training delivery

Technical Skills

• Strong understanding of credit analytics and risk assessment methodologies
• Proficiency with credit scoring models (CIBIL, internal scoring systems)
• Data analysis skills using Excel, SQL, or BI tools (Tableau, Power BI)
• Knowledge of RBI regulations for P2P lending and NBFC guidelines

Soft Skills

• Excellent presentation and communication abilities
• Training and facilitation skills for internal and external stakeholders
• Problem-solving mindset with focus on process improvement
• Attention to detail and strong documentation skills

How to Apply:

Interested candidates are invited to email their resume along with a brief note on why they are passionate about joining Rang De. Please write to [e-mail] with the subject line “Application for Assistant Manager – Credit Enablement”.

Rang De is an equal opportunity employer. We welcome applications from individuals of all backgrounds and are committed to building a diverse and inclusive workplace.

Only applications submitted through this process will be considered.