Business Head

Credit91; Gurugram District; On-site; INR 3,000,000 - 5,000,000; Full time

Job summary

Credit91 is building a new-age, tech-led digital lending platform in India. We seek a hands-on Business Head to own end-to-end lending operations, onboarding, collections, and vendor coordination from ground up.

You will lead cross-functional teams across operations, credit, risk, and tech to establish scalable processes and governance. The role demands strong ownership in a startup-like environment with deep expertise in digital lending, KYC, and portfolio management.

Qualifications

• 7–12 years of total work experience in relevant roles.
• Minimum 3–6 years of experience in digital lending, short-term unsecured lending, salary advance, instant personal loans, or small-ticket lending.
• Prior experience in fintech, NBFC, LSP, or digital lending company.
• Strong hands-on understanding of lending operations, customer onboarding, KYC, bureau checks, disbursal workflows, customer support, and collections.
• Experience managing teams and daily business operations.
• Strong MIS, Excel, dashboarding, and business review discipline.
• Ability to work in a startup-style environment with high ownership.

Responsibilities

• Set up and manage the complete operating model for the digital lending business.
• Own the end-to-end loan journey from lead generation and onboarding to repayment and closure.
• Build and manage workflows for KYC, verification, bureau checks, underwriting coordination, disbursals, customer support, and collections.
• Hire, manage, and scale teams across operations, collections, customer support, and credit operations.
• Create SOPs, escalation matrices, review structures, productivity benchmarks, and operational controls.
• Monitor application funnel, approval rates, disbursal conversion, operational TAT, repayment behavior, and portfolio quality.
• Drive collections performance across DPD buckets while ensuring compliant customer engagement practices.
• Coordinate with LOS/LMS, CRM, KYC, bureau, payment, account aggregator, dialer, and communication vendors.
• Work closely with technology, risk, compliance, legal, and management teams to ensure smooth business operations.
• Build and monitor daily, weekly, and monthly MIS dashboards for operational and portfolio review.
• Identify operational bottlenecks, fraud patterns, customer drop-offs, and process gaps, and implement corrective actions.
• Create scalable processes and organizational structures to support future business growth and expansion.

Skills

Lending operations

KYC processes

Disbursal workflows

Collections management

MIS & dashboards

Team leadership

Tools

LOS

LMS

CRM systems

Vendor management

Job description

We are building a new-age, tech-led, digital lending business focused on small-ticket, short-tenure unsecured loans for Indian customers.

We are a team of seasoned operators from premier institutions like IIT, NSIT, and IIM, with experience working in companies like ICICI Bank, Flipkart, Airtel, Anand Rathi, Snapdeal, and RBS. We are looking for a high-ownership Business Head – Digital Lending who can help launch, operate, and scale the business from the ground up. This is a founding business role involving end-to-end ownership across lending operations, collections, customer onboarding, process setup, vendor coordination, team building, and day-to-day business execution.

The ideal candidate should come from a digital lending, instant personal loan, short-term unsecured lending, or fintech-NBFC lending background and should have strong hands‑on experience in operating and scaling lending businesses.

Key Responsibilities

• Set up and manage the complete operating model for the digital lending business.
• Own the end-to-end loan journey from lead generation and onboarding to repayment and closure.
• Build and manage workflows for KYC, verification, bureau checks, underwriting coordination, disbursals, customer support, and collections.
• Hire, manage, and scale teams across operations, collections, customer support, and credit operations.
• Create SOPs, escalation matrices, review structures, productivity benchmarks, and operational controls.
• Monitor application funnel, approval rates, disbursal conversion, operational TAT, repayment behavior, and portfolio quality.
• Drive collections performance across DPD buckets while ensuring compliant customer engagement practices.
• Coordinate with LOS/LMS, CRM, KYC, bureau, payment, account aggregator, dialer, and communication vendors.
• Work closely with technology, risk, compliance, legal, and management teams to ensure smooth business operations.
• Build and monitor daily, weekly, and monthly MIS dashboards for operational and portfolio review.
• Identify operational bottlenecks, fraud patterns, customer drop-offs, and process gaps, and implement corrective actions.
• Create scalable processes and organizational structures to support future business growth and expansion.

Ideal Candidate Profile

The ideal candidate should have:

• 7–12 years of total work experience.
• Minimum 3–6 years of experience in digital lending, short-term unsecured lending, salary advance, instant personal loans, or small-ticket lending.
• Prior experience in a fintech, NBFC, LSP, or digital lending company.
• Strong hands‑on understanding of lending operations, customer onboarding, KYC, bureau checks, disbursal workflows, customer support, and collections.
• Experience managing teams and daily business operations.
• Strong understanding of DPD buckets, bounce handling, repayment behavior, roll rates, and collection productivity.
• Experience working with LOS/LMS/CRM systems and lending technology vendors.
• Strong MIS, Excel, dashboarding, and business review discipline.
• Ability to work in a startup‑style environment with high ownership.

What We Are Looking For

We are looking for a hands‑on operator who can build and run the business in the initial phase with strong ownership and execution capability.

The right candidate should be comfortable managing operations, collections, teams, vendors, technology coordination, customer journeys, and business reviews in a fast‑paced lending environment while balancing growth, compliance, risk, and portfolio quality.