Chief Operating Officer

FinTech Startup; Bengaluru; On-site; INR 6,000,000 - 9,600,000; Full time

Job summary

Unknown is seeking a senior operating leader for a COO mandate in a rapidly scaling FinTech environment. The role requires building a technology-enabled operating engine with an emphasis on AI-driven automation, risk controls and customer outcomes.

You will work with the CEO and leadership team to scale core operations and drive P&L ownership across multiple functions, including payments, onboarding, and compliance. Bengaluru-based, full-time engagement.

Qualifications

• 18+ years of senior operational leadership experience.
• Strong background in FinTech, digital banking, payments, lending or similar tech-enabled financial services.
• Proven ability to scale complex, technology-enabled operations.
• Experience with AI-led automation, fraud/risk controls, KYC/compliance.
• Exposure to P&L ownership and business economics.
• U.S. consumer FinTech experience advantageous.
• Founders/ex-founders or top-tier consulting backgrounds with operating leadership.

Responsibilities

• Build scalable operating models to support rapid growth across customers, products, transactions and revenue.
• Lead multiple operational verticals spanning financial transactions, credit servicing, onboarding, risk controls and customer operations.
• Create technology-enabled and automation-driven operating environments.
• Strengthen process governance, operating controls, service quality and execution discipline.
• Improve efficiency, turnaround time, cost-to-serve and customer outcomes.
• Mentor senior operating leaders and partner with Product, Technology, Data, Finance and Risk teams.
• Support launch and operationalization of new products and partnerships; pursue BU/P&L ownership.

Skills

18+ years experience

Operations leadership

FinTech experience

KYC & Compliance

AI & automation

P&L ownership

Job description

We are partnering with a high-growth, profitable Consumer FinTech company operating in the U.S. market to hire a Chief Operating Officer (COO).

This is a high-impact, operations-first leadership mandate, working directly with the CEO and Executive Leadership Team to build and scale a technology-led operating engine for the company's next phase of growth.

Key Responsibilities

• Own and scale Core Operations, Banking Operations, Payments, Credit Operations, Compliance Operations, KYC, Fraud & Risk Operations, Process Excellence and Customer Success.
• Build scalable operating models supporting rapid growth across customers, products, transactions and revenue.
• Drive automation and build an AI-first operating model across key operational processes.
• Establish strong operational controls, SLAs, governance, quality standards and performance metrics.
• Improve productivity, turnaround time, cost-to-serve, operational reliability and customer outcomes.
• Partner closely with Product, Engineering, Data, Finance, Compliance and Risk teams.
• Manage and develop senior operational leaders across multiple functions.
• Drive operational readiness for new products, partnerships and customer segments.
• Contribute to unit economics, commercial outcomes and progressively take on broader business/P&L ownership.

The original mandate specifically emphasizes AI-led automation and technology-enabled operations across payments, credit, KYC, compliance, reconciliations, risk and customer servicing.

Ideal Profile

• 18+ years of experience with significant senior operational leadership exposure.
• Strong career foundation in Operations / Business Operations / Banking Operations / Payments / Credit / Risk / Compliance / Process Excellence.
• Leadership experience in a high-growth FinTech, digital-first bank, technology-led financial services or consumer technology company.
• Proven experience scaling complex, technology-enabled operations.
• Strong understanding of automation, AI-led operations, KYC, fraud, risk and operational controls.
• Experience managing multiple functions and senior leadership teams.
• Exposure to P&L, unit economics and business ownership would be highly valued.
• U.S. Consumer FinTech experience would be a strong advantage.
• Founders/ex-founders and candidates with top-tier consulting backgrounds followed by substantial operating leadership experience are particularly relevant.

This is an excellent opportunity for an accomplished operating leader to join a rapidly scaling business and potentially evolve from functional leadership toward BU/P&L ownership based on impact and business readiness.

We are working on a confidential COO mandate for a rapidly scaling, technology-led financial services platform with a significant international consumer business.

We are looking for a senior leader who has built and scaled complex operating functions, ideally within FinTech, digital banking, consumer lending, payments or another high-growth technology business.

The Mandate

The COO will work closely with the Founder/CEO and leadership team and take ownership of the company's end-to-end operating ecosystem.

Key areas of responsibility will include:

• Build and scale business-critical operations for the company's next growth phase.
• Lead multiple operational verticals spanning financial transactions, credit servicing, customer onboarding, risk controls, regulatory processes and customer operations.
• Create a highly technology-enabled and automation-driven operating environment.
• Strengthen process governance, operating controls, service quality and execution discipline.
• Improve efficiency, customer experience, turnaround time and cost of operations.
• Work closely with Product, Technology, Data, Finance and Risk leadership.
• Build and mentor a strong second line of senior operating leaders.
• Support the launch and operationalization of new products and strategic partnerships.
• Play an increasingly broader role across business performance, economics and P&L.

The underlying mandate is broader than conventional customer-service leadership; the original role specifically requires substantial depth in core, regulated and technology-enabled operations.

Who Could Be a Strong Fit?

We would particularly like to speak with leaders who bring:

• Around 18+ years of overall experience with significant leadership responsibility.
• Strong grounding in FinTech / Digital Financial Services / Consumer Internet / Technology-led Banking.
• Experience managing large and complex operating environments.
• Exposure to areas such as payments, lending/credit, financial operations, controls, risk, compliance or operational transformation.
• Strong orientation toward AI, automation, data and process digitization.
• Experience leading senior managers and multiple functional teams.
• Understanding of business economics and preferably some exposure to P&L/BU ownership.
• Experience supporting U.S. or other international consumer markets would be advantageous.
• Entrepreneurial experience or a strong strategy-consulting foundation followed by meaningful operating roles can also be relevant.

Why Consider This Opportunity?

This is not a traditional COO role focused purely on administration or customer support. It is a scale-building leadership opportunity with significant influence across operations, technology, customer outcomes and business performance.

The role also has the potential to evolve into broader business-unit leadership and P&L responsibility as the organization scales. This progression is an explicit element of the underlying mandate.

Key Criteria

• Former Founder / Co-Founder / Business Unit Head
• Experience with McKinsey, Bain, BCG or similar consulting firms
• Strong P&L, revenue and business ownership
• Experience in FinTech / Financial Services
• Exposure to fundraising and investor management