Digital lending expert - payday loans

Company Description Manikaran Credit & Leasing Co. Pvt. Ltd., based in Naraina, Delhi, is a long-established financial services company with over 25 years of experience in lending. Since its founding in 1994, the company has disbursed more than 20,000 loans to over 15,000 clients, earning a strong reputation for prompt, hassle-free customer service. Manikaran Credit & Leasing operates across more than 13 locations in North India, including a head office in Delhi and branch offices in Mohali and other cities. The organization focuses on meeting diverse credit needs while maintaining trust, reliability, and operational efficiency.

Role Description This is a full-time, on-site role based in Delhi, India for a Digital Lending Expert specializing in payday loans. The role involves designing and managing digital lending workflows, optimizing online application processes, and monitoring loan performance metrics for short-term credit products. The Digital Lending Expert will collaborate with cross-functional teams to develop and implement digital strategies, coordinate with operations and underwriting to streamline decision-making, and ensure compliance with internal policies and regulatory requirements. Responsibilities include conducting market and competitor analysis, improving customer acquisition and retention through digital channels, and preparing regular reports and insights for management on product performance and risk trends. The role also requires close interaction with customer service teams to enhance the borrower experience in digital payday loan journeys.

Qualifications

• Candidates should possess strong analytical skills to interpret lending data, assess risk, and optimize payday loan portfolio performance.
• Candidates should possess clear and effective communication skills to coordinate with internal teams, explain complex lending concepts, and engage with stakeholders.
• Candidates should possess digital strategy skills to design and refine online lending journeys, improve customer experience, and support product innovation.
• Candidates should possess project management skills to implement digital lending initiatives, manage timelines, and coordinate cross-functional efforts.
• Candidates should possess digital marketing skills to support borrower acquisition, manage online campaigns, and enhance the brand’s digital presence.
• Relevant experience in digital lending, consumer finance, or fintech, especially in short-term or payday loans, is highly beneficial.
• Knowledge of lending regulations, KYC norms, and risk assessment practices in India is preferred.
• Bachelor’s degree in Finance, Business, Economics, Technology, or a related field; advanced certifications in digital finance or fintech are a plus.
• Proficiency with lending or CRM platforms, data analysis tools, and basic MS Office applications is advantageous.