Website:
manipalfintech.com
Job details:
Zonal Head – Co-Lending (Gold Loan) Location: Bangalore ( All South states )
Reports To: CBO
Experience Required: 5–10 years (NBFC / Gold Loan / Lending / Fintech)
Role Purpose
To drive the co-lending business for Gold Loans by managing partnerships with Banks/NBFCs, ensuring seamless program execution, and scaling portfolio growth while maintaining compliance and asset quality. Will have to manage all south states.
Key Responsibilities
1. Co-Lending Program Management
• Manage end-to-end co-lending lifecycle for Gold Loan products.
• Coordinate with partner Banks/NBFCs for onboarding, product alignment, and program execution.
• Ensure smooth operational flow between internal teams and lending partners.
• Drive disbursement growth under co-lending arrangements.
2. Partnership & Stakeholder Management
• Act as the single point of contact for co-lending partners.
• Build and maintain strong relationships with partner institutions.
• Negotiate commercial terms, SLAs, and operational frameworks.
• Coordinate with internal teams (Credit, Risk, Ops, Tech, Legal).
3. Business Growth & Strategy
• Drive sourcing strategy for co-lending portfolio through branches and channels.
• Identify new partnership opportunities with Banks/NBFCs.
• Optimize product structure, pricing, and customer segments.
• Track market trends and competitor offerings to enhance positioning.
4. Credit, Risk & Compliance
• Ensure adherence to RBI co-lending guidelines and internal policies.
• Monitor portfolio quality, delinquency, and risk metrics.
• Work with credit teams to align underwriting standards with partners.
• Ensure proper documentation, KYC, and audit compliance.
5. Operations & Process Management
• Define and streamline co-lending processes (loan origination, disbursal, servicing).
• Work closely with tech teams for LOS/LMS integrations with partners.
• Ensure TAT adherence and operational efficiency.
• Resolve escalations related to disbursal, servicing, and reconciliation.
6. Performance Monitoring & MIS
• Track KPIs such as disbursal, approval rate, TAT, yield, and NPA levels.
• Prepare MIS reports and dashboards for internal and partner reviews.
• Conduct periodic business reviews with stakeholders. Key Performance Indicators (KPIs)
• Co-lending disbursement volumes
• Number of active partnerships
• Portfolio quality (NPA / delinquency levels)
• TAT (approval & disbursement efficiency)
• Revenue / yield from co-lending portfolio
• Compliance and audit adherence
Candidate Profile
• Graduate / MBA (Finance preferred)
• 5–10 years of experience in Gold Loan / NBFC / Co-lending / Retail Lending
• Strong understanding of Gold Loan operations and secured lending
• Experience in managing bank/NBFC partnerships
• Knowledge of RBI co-lending guidelines and regulatory frameworks
• Exposure to LOS/LMS systems and digital lending processes
• Strong stakeholder management and negotiation skills
• Analytical mindset with business and risk understanding Compensation (Indicative)
• CTC: ₹15 – ₹25 LPA
• Variable: 15–25% (linked to portfolio growth & quality)
Work Location : Bangalore.
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