Lender Relationship Manager (Credit)

Keka HR; Gurugram District; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Keka HR is seeking a Lender Relationships Manager (Credit) to own post-login case progression with lenders, engage relationship managers, and drive sanctions and disbursals. You will analyze credit concerns, build credible reconsiderations, and negotiate deviations to move transactions forward.

You will coordinate with sales and operations, maintain case tracking, and engage decision-makers to resolve blockers while ensuring lender requirements are met in a fast-paced fintech environment.

Qualifications

• 4–8 years of relevant experience in business loans or unsecured business loans within NBFC/fintech.
• Experience in credit management, lender or bank relations, or credit/backend leadership, with direct exposure to lender credit teams.
• Demonstrated experience in converting logged-in applications into sanctions and disbursals.
• A track record of securing reconsideration of rejected cases through substantive credit discussions and supporting evidence.
• Strong knowledge of lender policies, negative lists, pincode eligibility, credit assessment criteria, and deviation requirements.
• The ability to assess borrower profiles, explain credit strengths and risks, and present appropriate information.

Responsibilities

• Drive sanctions and disbursals: Own post-login case progression across lenders, proactively follow up with stakeholders, resolve bottlenecks, and move cases toward closure.
• Lead credit discussions and reconsiderations: Review rejected or stalled applications, understand credit concerns, and present supporting information to seek reconsideration.
• Negotiate deviations and loan terms: Work with lender credit teams to secure policy deviations and negotiate interest rates, ticket sizes, and tenures.
• Own lender relationships across levels: Build and manage relationships with lender relationship managers, partnership teams, regional and zonal teams, and credit heads.
• Apply lender-policy knowledge: Assess lender eligibility criteria, credit policies, negative lists, and pincodes; identify potential challenges.
• Coordinate internal resolution: Work with sales and operations to address lender queries and obtain required documents.
• Maintain accurate case tracking: Keep live cases updated with status, requirements, timelines, and risks.

Skills

Credit management

Lender relations

Negotiation

Stakeholder management

Case tracking

Financial analysis

Relationship building

Tools

CRM software

Job description

As a Lender Relationships Manager (Credit), you will own lender engagement and case progression once a

loan application has been logged in. While our operations team handles the login process, you will work

directly with lender relationship managers, partnership teams, and credit decision-makers to secure

sanctions and drive disbursals.

This is not a loan-processing role. It requires someone who can understand a lender's credit concerns, build

a credible case for reconsideration, negotiate justified deviations, and take ownership of moving

transactions forward.

Key Responsibilities

• Drive sanctions and disbursals: Own post-login case progression across lenders, proactively follow up with relevant stakeholders, resolve bottlenecks, and keep cases moving towards closure.
• Lead credit discussions and reconsiderations: Review rejected or stalled applications, understand the underlying credit concerns, and present supporting information and risk mitigants to seek reconsideration - not simply resubmit the same file.
• Negotiate deviations and loan terms: Work with lender credit teams to secure justified policy deviations through the appropriate approvals. Negotiate competitive interest rates, suitable ticket sizes, and longer tenures based on the the borrower profile.
• Own lender relationships across levels: Build and manage relationships with lender relationship managers, partnership teams, regional and zonal teams, and credit heads. Identify and engage the right decision-makers to resolve case-specific issues.
• Apply lender-policy knowledge: Maintain a strong understanding of each lender's eligibility criteria, credit policies, negative lists, and serviceable pincodes. Use this knowledge to assess lender fit and identify potential approval challenges.
• Coordinate internal resolution: Work closely with sales and operations teams to address lender queries, obtain supporting information, and resolve requirements that could delay sanction or disbursal.
• Maintain accurate case tracking: Keep every live case updated with its current status, pending requirements, next steps and expected timelines. Flag delays and risks proactively and communicate outcomes transparently.

Required Experience and Skills

• 4-8 years of relevant experience in business loans or unsecured business loans within an NBFC or fintech.
• Experience in credit management, lender or bank relations, or credit/backend leadership, with direct exposure to lender credit teams.
• Demonstrated experience in converting logged-in applications into sanctions and disbursals.
• A track record of securing reconsideration of rejected cases through substantive credit discussions and supporting evidence.
• Strong knowledge of lender policies, negative lists, pincode eligibility, credit assessment criteria, and deviation requirements.
• The ability to assess borrower profiles, explain credit strengths and risks, and present appropriate
• Strong negotiation, stakeholder management, follow-through, and case-tracking skills.

What We Look For

You take ownership beyond follow-ups. You know when to challenge a rejection, when to escape, and when a case is unlikely to proceed. You are persistent in pursuing viable cases while respecting lender credit requirements.

You also communicate honestly. When a case slips or a commitment is at risk, you flag it early, explain the issue, and take responsibility for the next steps.

This is a fast-paced, execution-focused role where consistent effort is expected throughout the month - not only at month-end. You should be comfortable managing multiple live cases, navigating lender escalations,