Manager - Lending Business

Ways of Working:Employees will work from Bangalore office.

Role: Manager - Lending Business

Function: Financial Services

About Swiggy:

Swiggy is India's leading on-demand delivery platform with a tech-first approach to logistics and a solution-first approach to consumer demands. With a presence in 500+ cities across India, partnerships with hundreds of thousands of restaurants, an employee base of over 5000, a 2 lakh+ strong independent fleet of Delivery Executives, we deliver unparalleled convenience driven by continuous innovation. Built on the back of robust ML technology and fuelled by terabytes of data processed every day, Swiggy offers a fast, seamless and reliable delivery experience for millions of customers across India. From starting out as a hyperlocal food delivery service in 2014, to becoming a logistics hub of excellence today, our capabilities result not only in lightning-fast delivery for customers, but also in a productive and fulfilling experience for our employees. With Swiggy's New Supply and the recent launches of Swiggy Instamart, Swiggy Genie and Health Hub, we are consistently making waves in the market; while continually growing the opportunities we offer our People.

About the team and the role:

At Swiggy, we are building the financial services ecosystem for our merchant partners. With deep transaction data, payout behavior, growth signals, and operational metrics across millions of orders, we are uniquely positioned to power various lending products for our partners.

The Lending team's mission is to enable fast and transparent access to capital for restaurant partners, directly within the Swiggy ecosystem. We work closely with external lenders (NBFCs/Banks), internal teams including data analytics, product, engineering, credit risk, legal & compliance to enable this scalable lending infrastructure.

This role involves you to work in the lending business team and manage strategic partnerships with lenders & TSPs, closely track end to end lead-flow backbone that the entire FS charter runs on and help deliver AOP targets for the business. We're looking for someone with strong logical and first-principles thinking who can go deep into data (flows, funnels, reconciliations) while also managing external partner relationships and negotiations.

Key Responsibilities

Manage partnerships and deliver AOP outcomes

• Be the partnerships point of contact for lenders and TSPs - both new and existing
• Identify and evaluate potential lending partners (banks, NBFCs, fintechs) whose capabilities align with Swiggy's financial services strategy and target segments
• Manage the full lifecycle of new lending partnerships, from integration and launch to ongoing performance monitoring and optimization
• Develop and execute strategies to deepen existing partnerships by exploring new initiatives, and driving incremental value along with tracking KPIs for each lender
• Manage due diligence in line with DLG guidelines with existing & new lenders
• Own legal documentation for all partnerships and work closely with legal and compliance to ensure timely closure
• Support and help deliver AOP targets for the team by driving performance across new & existing initiatives and scaling partnerships

Data & Lead Flow Ownership

• Own lead flow end-to-end and all data flow charters along with funnel conversions and work with the team on automation use cases for manual flows
• Own deep dives into data to spot trends, anomalies, drop-offs and identify improvement areas across funnels, translating findings into actionable fixes
• Own business reviews both internal and with lenders, backed by sharp data-backed narratives

Stakeholder management:

• Work closely with credit risk, product, engg, legal, compliance, finance and sales teams to ensure alignments across functions
• Collaborate with external stakeholders and drive business outcomes.

What qualities we're looking for

• 3-5 years of experience of working in high-impact and fast-paced business teams, managing partnerships and business operations with financial services & lending background
• Strong logical & analytical thinking. Should be comfortable working with data - flows, funnels, reconciliations and to find the why behind the numbers followed by data-driven decision making
• First-principle thinker & problem solver
• Deep understanding of the Indian lending ecosystem, including various lending products, credit assessment, loan lifecycle, and regulatory landscape
• Excellent verbal and written communication skills, with the ability to articulate complex ideas clearly to diverse stakeholders
• Ability to work cross-functionally across internal & external stakeholders with strong negotiation skills
• High ownership, bias for action, and comfortable in operating amid ambiguity
• Education: MBA / Masters in Business, Finance, or related field
• Other skills: Hands-on experience in Excel is mandatory. Knowledge of SQL / Python will be an advantage.

Swiggy is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.