Credit Operations Manager

Role Purpose: 

The Credit Operations Manager will oversee the endtoend credit operations for Renda Credit deployed primarily through SCALE by Renda ensuring efficient processes adherence to credit policies and achievement of business targets. The role includes overseeing underwriting compliance managing credit disbursement repayment collections credit scoring implementation risk management and customer service for B2B and B2C segments. 

Key Responsibilities: 

1. Credit Operations Management: 

Oversee the daily operations of the credit lifecycle: onboarding underwriting disbursement monitoring collections and reporting. 

Implement and maintain the credit scoring system ensuring it is dynamic and reliable. 

Ensure seamless integration of SCALE by Renda credit processes with partner systems and APIs. 

2. Risk Management: 

Monitor credit portfolio performance identify risks and recommend mitigation strategies. 

Ensure compliance with regulatory and internal credit risk policies. 

3. Team Leadership: 

Lead and develop a highperforming credit operations team. 

Conduct training sessions for staff and partner teams on credit processes risk policies and customer engagement. 

4. Customer Engagement: 

Manage escalations from clients ensuring timely resolution of issues. Maintain a customercentric approach to drive satisfaction and loyalty.

5. Reporting and Analytics: 

Prepare regular reports on credit performance metrics including delinquency collections and disbursements. 

Analyze credit data to refine scoring models and identify trends. 

6. Process Optimization: 

Identify bottlenecks in credit operations and propose solutions for process improvement. 

Automate and streamline workflows to increase efficiency and scalability. 7. Stakeholder Management:

Collaborate with sales finance legal and technology teams to align credit operations with organizational goals. 

Manage relationships with thirdparty service providers (e.g. credit bureaus banks and payment platforms). 

Key Performance Indicators (KPIs): 

1. Credit Disbursement and Utilization: 

Achieve set monthly/quarterly disbursement target.

Maintain a high credit utilization rate >95. 

2. Delinquency and Default Rate: 

Ensure the delinquency rate remains below a set threshold 2. 

Minimize writeoffs to 0.5 of the total portfolio. 

3. Portfolio Growth: 

Grow active customers to 10000 in the first quarter and increase it by 20 quarteroverquarter. 

Achieve a balanced growth of both B2B and B2C segments. 

4. Turnaround Time (TAT): 

Maintain set TAT for credit approval and disbursement 3 hours for B2C and 6 hours for B2B). 

5. Customer Satisfaction: 

Achieve a customer satisfaction score of 90. 

Ensure timely resolution of 95 of customer complaints within SLA.

6. Process Efficiency: 

Increase automation of credit operations. 

Reduce operational costs by 40 in the first year 

7. Compliance and Risk: 

Ensure 100 compliance with regulatory requirements and internal policies. Conduct regular audits with zero critical findings. 

8. Team Performance: 

Maintain team productivity.

Achieve employee retention of 95 in the credit operations team. 

9. Reporting Accuracy: 

Deliver errorfree weekly monthly and quarterly credit performance reports on time. 

10. Credit Committee: 

Ensure glitchfree credit committee meetings with prereads available 24 hours before every meeting. 

Align credit policy requirements into operational tasks and responsibilities with zero misalignment.

Qualifications :

• Bachelors degree in Business Administration Finance Economics or a related field
• Minimum of 5 years of experience in credit operations risk management or a related field. Preferable in fintech or logistics. 
• Proven track record of managing credit operations and meeting disbursement targets.
•  Strong understanding of credit scoring systems risk analysis and regulatory compliance.
• Excellent leadership communication and stakeholder management skills.
• Proficiency in credit software CRM tools and data analytics software/tools 
• This role requires a handson manager with a datadriven approach a problemsolving mindset and a passion for delivering impact at scale.

Remote Work :

No

Employment Type :

Fulltime