Role Overview
As a Lender Relationships Manager (Credit), you will own lender engagement and case progression once a
loan application has been logged in. While our operations team handles the login process, you will work
directly with lender relationship managers, partnership teams, and credit decision-makers to secure
sanctions and drive disbursals.
This is not a loan-processing role. It requires someone who can understand a lender's credit concerns, build
a credible case for reconsideration, negotiate justified deviations, and take ownership of moving
transactions forward.
Key Responsibilities
● Drive sanctions and disbursals: Own post-login case progression across lenders, proactively follow up
with relevant stakeholders, resolve bottlenecks, and keep cases moving towards closure.
● Lead credit discussions and reconsiderations: Review rejected or stalled applications, understand the
underlying credit concerns, and present supporting information and risk mitigants to seek
reconsideration - not simply resubmit the same file.
● Negotiate deviations and loan terms: Work with lender credit teams to secure justified policy deviations
through the appropriate approvals. Negotiate competitive interest rates, suitable ticket sizes, and longer
tenures based on the the borrower profile.
● Own lender relationships across levels: Build and manage relationships with lender relationship
managers, partnership teams, regional and zonal teams, and credit heads. Identify and engage the right
decision-makers to resolve case-specific issues.
● Apply lender-policy knowledge: Maintain a strong understanding of each lender's eligibility criteria,
credit policies, negative lists, and serviceable pincodes. Use this knowledge to assess lender fit and
identify potential approval challenges.
● Coordinate internal resolution: Work closely with sales and operations teams to address lender queries,
obtain supporting information, and resolve requirements that could delay sanction or disbursal.
● Maintain accurate case tracking: Keep every live case updated with its current status, pending
requirements, next steps, and expected timelines. Flag delays and risks proactively and communicate
outcomes transparently.
Required Experience and Skills
● 4-8 years of relevant experience in business loans or unsecured business loans within an NBFC or fintech.
● Experience in credit management, lender or bank relations, or credit/backend leadership, with direct
exposure to lender credit teams.
● Demonstrated experience in converting logged-in applications into sanctions and disbursals.
● A track record of securing reconsideration of rejected cases through substantive credit discussions and
supporting evidence.
● Strong knowledge of lender policies, negative lists, pincode eligibility, credit assessment criteria, and
deviation requirements.
● The ability to assess borrower profiles, explain credit strengths and risks, and present appropriate
mitigants.
● Strong negotiation, stakeholder management, follow-through, and case-tracking skills.
What We Look For
You take ownership beyond follow-ups. You know when to challenge a rejection, when to escalate, and
when a case is unlikely to proceed. You are persistent in pursuing viable cases while respecting lender credit
requirements.
You also communicate honestly. When a case slips or a commitment is at risk, you flag it early, explain the
issue, and take responsibility for the next steps.
Working Environment
This is a fast-paced, execution-focused role where consistent effort is expected throughout the month - not
only at month-end. You should be comfortable managing multiple live cases, navigating lender escalations,
and being accountable for disbursals.