Senior Manager – Consolidation Business Role Overview We are looking for a Senior Manager – Consolidation Business to drive the growth and development of our Debt Consolidation / DCP (Debt Consolidation Program) business . The role will be responsible for building and scaling the business through strong sales leadership, lending partnerships, distribution relationships, and a highly metrics-driven approach. The ideal candidate will come from a Banking, NBFC, personal loans or lending distribution, and should have a strong understanding of lending products and the consumer credit ecosystem. About the Consolidation Business Debt consolidation involves clubbing multiple existing loans/credit obligations into a single loan , enabling customers to potentially reduce their overall EMI burden, manage repayments more efficiently, and benefit from better interest rates. While personal loans form an important subset of the business , the role requires broader experience across lending and loan consolidation. Key Responsibilities • Own and drive the Consolidation / DCP business , with end-to-end responsibility for business growth and performance. • Develop and execute strategies to scale the consolidation portfolio and achieve revenue, disbursement, conversion, and profitability targets . • Lead and manage number-driven sales teams , with a strong focus on productivity, conversion, funnel management, and achievement of business KPIs. • Build and maintain strong relationships across the lender ecosystem , including banks, NBFCs, lending partners, and personal loan distribution companies. • Identify and develop new lender and distribution partnerships to improve product availability, customer eligibility, and business volumes. • Work closely with lender-side operations, credit, underwriting, and sales teams to ensure smooth customer journeys and high conversion rates. • Understand customer credit profiles and identify opportunities to consolidate multiple loans into a suitable lending solution. • Drive inside-sales channel and optimize processes for lead conversion and disbursement. • Monitor key business metrics including lead generation, login rates, approval rates, sanction rates, disbursement, TAT, conversion, productivity, and portfolio quality. • Build a strong sales culture focused on ownership, accountability, performance, and customer-centricity . • Work cross-functionally with Product, Operations, Credit, Technology, and Finance teams to improve business efficiency. • Identify opportunities to improve processes, reduce leakages, optimize acquisition costs, and enhance overall business profitability. • Develop and maintain strong market intelligence around lending products, personal loans, consumer credit, and consolidation offerings . Candidate Profile • 8–15 years of overall experience in Banking, NBFC, Lending, Personal Loans, Loan Distribution, Debt Consolidation, or related consumer finance businesses. • Strong sales and business ownership background , preferably in a highly target-driven environment. • Prior experience in lending and/or debt consolidation is strongly preferred. • Experience managing or working closely with inside-sales teams will be highly relevant. • Strong understanding of personal loans and consumer lending products . • Existing network across banks, NBFCs, lending partners, and loan distribution companies would be a significant advantage. • Good understanding of lender-side operations , including credit, underwriting, documentation, disbursement, and operational processes. • Strong analytical and numerical orientation, with the ability to manage a business through data and KPIs. • Demonstrated ability to build partnerships and drive business through multiple lending channels. • Strong people-management and stakeholder-management skills. • Entrepreneurial mindset with the ability to operate in a high-growth, performance-oriented environment . Leadership & Culture Fit Beyond functional expertise, the role requires a candidate who can contribute positively to the organization’s culture and ways of working . The ideal candidate should demonstrate: • High ownership and accountability • Strong ethical standards and customer orientation • Ability to build and motivate high-performing teams • Collaborative approach across functions • Data-driven decision-making • Ability to work in a fast-paced, target-oriented environment • Strong relationship-building capabilities across internal and external stakeholders