5 Co Lending Jobs

Built partnerships with NBFCs/ fintechs, led co-lending deals, policy/SOP creation, digital loan journey design, and performance tracking. Handled negotiations, integration, compliance, and incentive programs to boost partner engagement and revenue. Required Candidate profile Ideal candidate: 8+ years in strategic alliances, business development, or co-lending in NBFC/BFSI. Strong knowledge of channel finance, commercial lending, and digital lending platforms.

Role & responsibilities Partnership Development: Identify and evaluate potential co-lending partners such as banks, credit unions, and community development financial institutions Establish and nurture relationships with key stakeholders to explore collaboration opportunities and strategic alliances. Negotiate partnership agreements, terms, and conditions in alignment with company objectives. Co-lending Program Management: Develop co-lending frameworks and strategies to optimize lending capacity and mitigate risks. Design and implement operational processes for seamless coordination between partners. Monitor co-lending activities, performance metrics, and outcomes to assess effectiveness and identify areas for improvement. Risk Management: Conduct thorough risk assessments of co-lending partnerships and projects to ensure compliance with regulatory requirements and mitigate potential risks. Implement risk mitigation strategies and controls to safeguard the company's interests and assets. Compliance and Regulatory Oversight: Stay abreast of regulatory changes and industry best practices related to co-lending and partnership arrangements. Ensure adherence to regulatory standards, internal policies, and procedures throughout the co-lending process. Collaborate with legal and compliance teams to address any regulatory issues or concerns. Financial Analysis and Reporting: Analyze financial data and performance metrics to evaluate the profitability and viability of co-lending initiatives. Prepare comprehensive reports and presentations for senior management, board of directors, and external stakeholders. Cross-functional Collaboration: Collaborate with internal teams including underwriting, finance, marketing, and operations to support co-lending activities and ensure seamless integration with existing processes. Provide training and guidance to internal stakeholders on co-lending policies, procedures, and best practices. Role Purpose; As the Manager of Co-Lending & Partnerships, you will be responsible in; 1. Fostering strategic alliances and managing co-lending initiatives within the housing finance sector. 2. Collaborating with various stakeholders including financial institutions, government bodies, and non-profit organizations to expand lending opportunities and enhance housing affordability.

Job Description Periodic review and modification of DA Board policy and Pool selection criteria Preparation of Monthly dashboard and quarterly heath review of portfolio. Management discussion with Bank/NBFC who is proposing to sell pool. Management discussion is done to understand the sourcing, underwriting, portfolio management & collection process. Fixing & reviewing pool criteria for different products. Pool criteria are shared with Bank/NBFC which helps them carve out pool as per YBL requirements. Review of Loss Estimation Report given by Rating agency. Preparing Portfolio cuts & pool Characteristic for IOM which is put up for approval Review of IOM before it is put up for approval Coordinating with Bank/NBFC for due diligence. (Location of due diligence, Scan/Physical files, Infrastructure system/manpower support) Preparation of pool selection checklist for due diligence product wise. Review of the due diligence done by Credit & Operations. Engaging with Business/ Credit / Operations (internal stake-holders) and Bank/NBFC (external stake-holders) to close queries/open points of review. Monitoring of portfolio product wise and identify key performance indicator. Engagement with originator to understand delinquency trends and reasons for delinquency. Tracking of exceptions/deferrals taken by Business & follow up for closures. Engagement with Compliance/ Governance / Internal audit for data submissions and closure of queries/ clarifications. What we are looking for Good understanding of Retail Asset products – Mortgages/Vehicles/Microfinance/ unsecured Strong knowledge & experience of analyzing large data sets Good MS Excel knowledge Excellent communication skills (written/oral) Strong Analytical skills Should take complete ownership of assigned activity. Pro-active and flexible Qualification and Experience required CA / MBA Candidate should be having at least 2-5 (Manager/ senior Manager) 5-10 years’ (AVP position) experience in Retail Asset products – Securitisation/Credit/Sales/Operations

Role & responsibilities The position will be managing Partners and handling the day-to-day BAU activities of Digital Operations. Manage overall portfolio of co-lending and Interact with NBFC partners/ co- lenders to manage the relationship across all processes. Reconcile Payment transactions with NBFC partners and work towards gap analysis, exception monitoring. Review, troubleshoot and resolve process issues to ensure compliance with processes. Help onboard new NBFC partners and services vendors. Managing Reconciliation. Managing Stakeholder and co ordinate between various departments Collections management Payment channel Reconciliation , Repayment management- UPI, NACH, Repayment audit, etc. Ability to make operations excellence as the USP of the organization (lowest TAT, highest FTR (First Time Right), six sigma in quality, best productivity, Automation and process improvement Processing & adherence to all SLAs at various stages of the operations to ensure seamless BAU. Hands on experience in Driving Automation & System Enhancement project. Preferred candidate profile Graduation/Post Graduation Minimum 4-6 years of experience in Financial Operations preferably in Bank/NBFC/Fintech Strong planning, organizational and analytical skills.

Job Title : Head Co-Lending Location : Mumbai Department : Lending / Business Development Reports to : CEO / Business Head Experience : 12+ years (with at least 3-5 years in co-lending partnerships) Industry : NBFC / Fintech / Banking Job Purpose To lead and expand the co-lending business of the NBFC by identifying, onboarding, and managing strategic partnerships with Banks and Fintechs to drive portfolio growth, compliance, and profitability. Key Responsibilities Strategic Leadership : Define the overall co-lending strategy aligned with the NBFCs growth goals. Build and execute the roadmap for co-lending partnerships across products (Retail, MSME, Affordable Housing, etc.). Partnership Development : Identify, evaluate, and onboard banks, fintechs, and institutional partners for co-lending arrangements. Lead negotiations and finalize commercial and operational terms. Operational Management : Oversee end-to-end implementation including credit policies, product integration, tech stack alignment, and regulatory compliance. Monitor disbursement, collections, reconciliation, and reporting frameworks under co-lending models Governance & Compliance : Ensure RBI and regulatory guidelines are adhered to across all partnerships. Liaise with legal, compliance, and risk teams to ensure process integrity and audits. Team Management : Build and lead a high-performing team to manage partnerships and execution. Collaborate cross-functionally with Credit, Operations, Tech, Risk, and Legal. Technology & Innovation : Work closely with the technology team for API-based integrations and digital onboarding. Identify innovations for real-time reporting, decision engines, and portfolio performance. Qualifications & Skills MBA / CA / Postgraduate in Finance, Business, or related field. Proven track record in setting up and scaling co-lending business in NBFCs/Fintechs. Strong network in banking and fintech ecosystems. Deep understanding of RBI co-lending guidelines and risk-sharing models. Excellent negotiation, communication, and stakeholder management skills. Data-driven with strong analytical and execution capabilities.