Program Manager

CredFlow; Dadri; On-site; INR 2,000,000 - 3,000,000; Full time

Job summary

CredFlow, a fintech platform, is seeking a Program Manager – Lending Growth & Funnel to own and improve the lending growth engine across Data, Sales, Credit, Operations, and Business. You will analyze the complete funnel—Lead → Contact → Qualified → Login → Credit → Sanction → Disbursal—identify bottlenecks, quantify opportunities, and drive initiatives that improve conversions and lending growth.

This is not a reporting role; you will identify problems, build solutions, execute them, and drive

Qualifications

• 2–6 years of experience in Program Management, Business Operations, Revenue Operations, Sales Strategy, Growth, Lending Operations, Business Analytics, or Consulting.
• Strong analytical and problem-solving skills.
• Excellent command of Excel/Google Sheets; SQL and BI tools preferred.
• Strong understanding of sales funnels, metrics, and conversion analysis.
• Ability to work closely with sales and cross-functional teams.
• Strong commercial mindset with a focus on measurable outcomes.
• Excellent communication and stakeholder-management skills.
• Highly execution-oriented and comfortable working in a fast-paced startup environment.

Responsibilities

• Own the Lending Funnel and track conversion at every stage.
• Identify leakage, bottlenecks, and lead ageing.
• Analyse performance by geography, product, lender, and source.
• Diagnose gaps across lead quality, sales productivity, credit, operations, and lender performance.
• Build dashboards and analyses for lending performance and monitor key metrics.
• Collaborate with Sales Managers and teams to improve productivity.
• Forecast lead requirements and ensure adequate high-quality leads.
• Lead growth initiatives and run experiments to improve funnel performance.
• Drive daily funnel monitoring, weekly reviews, and action tracking.

Skills

Analytical thinking

Problem solving

Excel/Google Sheets

SQL

BI tools

Sales funnel expertise

Communication

Stakeholder management

Execution oriented

Tools

SQL

BI tools

Excel/Google Sheets

Job description

Experience: 3–6 Years

Function: Lending / Business Operations / Growth

Reporting To: Business Leadership

Employment Type: Full-Time

Experience: 3–6 Years

Function: Lending / Business Operations / Growth

Reporting To: Business Leadership

Employment Type: Full-Time

Program Manager – Lending Growth & Funnel

Location: Delhi NCR

Experience: 3–6 Years

Function: Lending / Business Operations / Growth

Reporting To: Business Leadership

Employment Type: Full-Time

About Credflow

Credflow is building the Cashflow Management OS for Indian SMEs, combining technology, financial services, and commerce to help SMEs manage cash flow and access working capital.

We are looking for a Program Manager – Lending Growth & Funnel to own and improve the lending growth engine across Data, Sales, Credit, Operations, and Business.

About the Role

The core mandate is simple:

Find where the lending funnel is leaking, understand why, and work with the business to fix it.

You will analyse the complete lending funnel — Lead → Contact → Qualified → Login → Credit → Sanction → Disbursal — identify bottlenecks, quantify opportunities, and drive initiatives that improve conversions and lending growth.

This is not a reporting role. You will be expected to identify problems, build solutions, execute them, and drive measurable business outcomes.

Key Responsibilities

• Own the Lending Funnel
  • Track conversion across every stage of the lending funnel.
  • Identify leakage, bottlenecks, and lead ageing.
  • Analyse performance by salesperson, geography, product, lender, segment, and lead source.
  • Identify lead and sales capacity requirements.
• Identify & Solve Business Gaps
  • Diagnose why lending targets are not being achieved.
  • Identify gaps across lead quality, sales productivity, credit, operations, and lender performance.
  • Conduct root-cause analysis and quantify business impact.
  • Drive corrective actions with relevant teams.
• Data & Analytics
  • Build dashboards and analysis for lending performance.
  • Monitor contact, qualification, login, approval, sanction, disbursal, TAT, and conversion rates.
  • Identify trends and opportunities from large datasets.
  • Use Excel/Google Sheets, SQL, BI tools, or similar analytics tools.
• Sales Performance & Productivity
  • Work closely with Sales Managers and sales teams.
  • Identify salesperson-level productivity gaps.
  • Set targets and create action plans.
  • Improve lead utilisation, conversion, and sales productivity.
  • Establish daily/weekly performance reviews.
• Lead Requirement Planning

  Build a bottoms-up model connecting:

  Business Target → Disbursal → Sanction → Login → Qualified Leads → Raw Leads

  • Forecast lead requirements based on conversion rates, sales capacity, lender appetite, product mix, and seasonality.
  • Ensure the sales team has adequate quality leads to achieve lending targets.
• Growth Programs
  • Identify and own initiatives to improve funnel performance.
  • Run experiments around lead allocation, contactability, reactivation, qualification, lender allocation, and sales processes.
  • Measure the impact of interventions and scale successful initiatives.
• Business Reviews & Operating Cadence
  • Drive daily funnel monitoring and weekly business reviews.
  • Conduct funnel deep-dives and root-cause analysis.
  • Maintain action trackers and ensure timely execution.
  • Build a data-driven and predictable lending operating model.

Requirements

• 2–6 years of experience in Program Management, Business Operations, Revenue Operations, Sales Strategy, Growth, Lending Operations, Business Analytics, or Consulting.
• Strong analytical and problem-solving skills.
• Excellent command of Excel/Google Sheets; SQL and BI tools preferred.
• Strong understanding of sales funnels, metrics, and conversion analysis.
• Ability to work closely with sales and cross-functional teams.
• Strong commercial mindset with a focus on measurable outcomes.
• Excellent communication and stakeholder-management skills.
• Highly execution-oriented and comfortable working in a fast-paced startup environment.

Preferred Background

Experience in Lending, FinTech, NBFC, Consumer Finance, B2B Sales, or high-volume lead operations will be strongly preferred.

Key Success Metrics

• Improvement in funnel conversion.
• Increase in lead utilisation.
• Improvement in login, sanction, and disbursal rates.
• Sales productivity improvement.
• Reduction in funnel leakage and lead ageing.
• Accuracy of lead requirement forecasting.
• Incremental lending business generated through growth initiatives.