Job Description

We are seeking a results-driven Manager to scale our Gold Loan business across digital, branch-assisted, and partner-led channels. This role will focus on driving disbursements through a digital-first approach, optimizing the lending funnel, and delivering a seamless customer experience across app, web, and assisted journeys. The candidate will also play a key role in product innovation, analytics, and ecosystem partnerships.

Key Responsibilities

. Digital & Assisted Business Growth

Drive Gold Loan disbursements through digital channels (app, web) and assisted models (branches, field teams, partners).
Own business targets across acquisition, disbursement, renewals, and cross-sell.
Identify growth opportunities across customer segments using data-driven insights.
Work with distribution teams to scale sourcing through branch-assisted and partner networks.

. Lending Funnel Ownership & Optimization

Own the end-to-end digital lending funnel-from lead generation to disbursement and renewals.
Monitor and optimize key metrics such as conversion rates, drop-offs, turnaround time (TAT), and cost per acquisition (CPA).
Identify bottlenecks and implement experiments (A/B testing, journey redesign, nudges) to improve funnel efficiency.
Collaborate with tech and product teams to enhance user journeys and onboarding flows.

. Product & Platform Management

Work closely with product, tech, and UX teams to build and enhance digital Gold Loan journeys (KYC, gold valuation, loan booking, servicing).
Drive features such as instant eligibility, digital renewals, part-payments, and top-ups.
Gather customer insights and feedback to continuously improve product experience.
Benchmark against competitors and introduce innovative features to stay ahead.

. Marketing & Growth Initiatives

Plan and execute performance marketing campaigns (digital ads, affiliates, partnerships) to drive acquisition.
Work with marketing teams on targeted campaigns, lifecycle journeys (SMS, WhatsApp, email), and engagement strategies.
Drive localized and hyper-personalized campaigns using customer data.
Optimize acquisition channels for ROI and scalability.

. Risk, Credit & Compliance

Work with credit and risk teams to ensure adherence to underwriting policies, LTV norms, and portfolio quality benchmarks.
Monitor early warning signals, delinquency trends, and renewal behavior.
Ensure compliance with regulatory guidelines, audit requirements, and internal policies.
Balance growth with portfolio quality and risk controls.

. Partner & Vendor Ecosystem

Manage partnerships with gold valuation agencies, logistics providers, storage vendors, and collection partners.
Explore and onboard new partners for sourcing, servicing, and distribution.
Ensure SLA adherence and operational efficiency across the ecosystem.

. Data, MIS & Analytics

Track and analyze business metrics, customer behaviour, and funnel performance.
Build dashboards and MIS reports for leadership reviews.
Use data to drive decision-making across growth, product, and operations.

Key Requirements

Graduate in any discipline (mandatory).
8-12 years of experience in lending, preferably Gold Loans, secured lending, or digital lending (fintech/NBFC/bank).
Strong understanding of Gold Loan processes, valuation, LTV norms, and credit lifecycle.
Proven experience in managing digital funnels, performance marketing, or online lending journeys.
Experience working with cross-functional teams (product, tech, marketing, risk).
Familiarity with digital tools, analytics platforms (e.g., Excel, SQL, dashboards), and experimentation frameworks.
Strong business acumen with a data-driven mindset.
Excellent communication and stakeholder management skills.

Preferred Attributes

Experience in fintech or digital-first lending platforms.
Exposure to customer journey design, UX thinking, or growth/product roles.
Experience in vendor/partner ecosystem management.
Understanding of APIs, integrations, and digital onboarding/KYC processes.
Certifications in lending/credit or analytics are a plus.

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