Senior Associate - Co-Lending Partnerships

FlexiLoans; Mumbai; On-site; INR 900,000 - 1,300,000; Full time

Job summary

FlexiLoans is seeking a result-oriented professional in Mumbai to lead co-lending partnerships, drive end-to-end case flow across Credit, CRM, and Operations, and ensure regulatory compliance. You will identify friction points, maintain SLA trackers, and coordinate cross-functional teams to optimize disbursement conversions.

You will work with MIS and Excel to produce data-driven reports, prepare lender-facing memos, and help shape partnership strategy in a fast-growing fintech environment

Qualifications

• 2–4 years in a bank, NBFC or lending fintech in credit, partnerships, product, risk, or operations.
• B.Tech/B.E. or MBA from a Tier 1 or Tier 2 institution.
• Strong MIS and Excel; ability to produce data driven reporting for internal and external stakeholders
• Strong written and verbal communication; able to prepare lender-facing documents, memos, and management summaries

Responsibilities

• Manage end-to-end case flow across Credit, CRM, and Operations for active co-lending pipelines; drive disbursement conversion
• Identify friction points and policy mismatches causing drop-offs and lead cross-functional resolution
• Maintain SLA trackers and delivery timelines; coordinate with team leads and escalate blockers proactively
• Build and maintain MIS tracking approval rates, rejection reasons, TATs, and DPD trends across all partnerships
• Monitor delinquency triggers and early warning signals; flag emerging risk concentrations to Credit and Risk teams
• Support bureau tradeline reconciliation and loan-level data alignment per RBI Co-Lending
• Arrange Directions 2025
• Ensure partnerships comply with RBI CLA Directions 2025, CGTMSE norms, KFS/APR disclosures, and penal charge circulars
• Support Co-Lending Agreement documentation - covering borrower criteria, fee structures, and responsibility segregation
• Track regulatory updates and assess operational implications for active and pipeline partnerships
• Lead new co-lender onboarding end-to-end - commercials, term sheet, policy closure, agreement, go-live
• Develop SOPs for each partnership (Credit, Ops, Technology, Compliance)
• Benchmark co-lending structures and credit policies across peers; synthesize insights into strategy inputs

Skills

MIS reporting

Excel

Credit analysis

Partnerships

Data driven

Education

B.Tech/B.E. or MBA

Tools

MS Excel

CRM systems

Job description

FlexiLoans is a technology based Digital financing platform started with an endeavor to solve the problems that small businesses face in accessing Quick, Flexible and Adequate funds for growing their Businesses. Our vision is to give "Financial access at a click". Our talent pool has rockstars from diverse backgrounds - ex- Founders, investment bankers, e-commerce and payments with the passion to make a difference to the lives of 70 mn+ MSME businesses in India. FlexiLoans.com is a pioneer in the ecosystem-based digital lending for small businesses in India. Till date, we have

disbursed over 100,000+ loans worth over Rs. 5,000 Crs+ to small sized businesses across 3,200+ cities without having a single branch! We are the leaders in using technology and risk models that focus on alternate / surrogate methods for scoring customers. Our origination is 100% digital with over 100 embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc. for providing credit access to MSME businesses. Founded by CA/ISB alumni, FlexiLoans is funded by marquee funds and HNIs in the form of MAJ invest, Fasanara Capital, Sanjay Nayar (Founder - Sorin Investments, Chairman - KKR India and Ex-CEO, Citibank South Asia), Dr. Harry Banga (Founder, Caravel group), Yogesh Mahansaria (Founder, Alliance Tyres) Gunit Chaddha (Ex-CEO, Deutsche Bank, Asia Pacific), Anil Jaggia (Ex-CIO, HDFC Bank), Vikram Sud (Ex-COO, Kotak Mahindra Bank), Narayan Seshadri (Ex-Managing Partner, KPMG), Gopal Srinivasan (Chairman, TVS Capital) and Siddharth Parekh (Co-Founder, Paragon Partners) to name a few.

Our product offerings and value proposition can be accessed on our website: https://www.flexiloans.com/

A six-times certified ‘Great Place to work’ workplace, at FlexiLoans you will be working with top tier talent from diverse backgrounds hungry to make a dent in the MSME universe. We believe in people owning what you do and providing support to folks for making decisions (sometimes even wrong decisions!) all the while learning and growing with the organization. FlexiLoans is your front row seat to the MSME Fintech revolution in India!

The role in a gist:

As FlexiLoans enters the next orbit of growth, we are looking for people with the passion and hunger to make a dent in the MSME ecosystem. In this role, you will be responsible for managing Co-lending, managing partnerships, and ensuring regulatory compliance. Sounds like you? Read more on’

What we are looking for in the role:

• Manage end-to-end case flow across Credit, CRM, and Operations for active co-lending pipelines; drive disbursement conversion
• Identify friction points and policy mismatches causing drop-offs and lead cross-functional resolution
• Maintain SLA trackers and delivery timelines; coordinate with team leads and escalate blockers proactively
• Build and maintain MIS tracking approval rates, rejection reasons, TATs, and DPD trends across all partnerships
• Monitor delinquency triggers and early warning signals; flag emerging risk concentrations to Credit and Risk teams
• Support bureau tradeline reconciliation and loan-level data alignment per RBI Co-Lending
• Arrangements Directions 2025
• Ensure partnerships comply with RBI CLA Directions 2025, CGTMSE norms, KFS/APR disclosures, and penal charge circulars
• Support Co-Lending Agreement documentation - covering borrower criteria, fee structures, and responsibility segregation
• Track regulatory updates and assess operational implications for active and pipeline partnerships
• Lead new co-lender onboarding end-to-end - commercials, term sheet, policy closure, agreement, go-live
• Develop department-wise SOPs (Credit, Ops, Technology, Compliance) for each new partnership
• Benchmark co-lending structures, hurdle rates, and credit policies across peers; synthesize insights into partnership strategy inputs

Qualification & Experience:

• 2–4 years in a bank, NBFC, or lending fintech in credit, partnerships, product, risk, or operations
• B.Tech/B.E. or MBA from a Tier 1 or Tier 2 institution
• Strong MIS and Excel; ability to produce clean data-driven reporting for internal and external stakeholders
• Strong written and verbal communication; able to prepare lender-facing documents, memos, and management summaries