About WeRize

India's first social distribution AI fintech platform for the underserved aspirational middle-class- delivering Secured & Unsecured loans, Insurance, and Investment products across 5,000+ small cities of India (referred as India-2). Founded in 2019, WeRize is at an annualized-run-rate of $60 Mn (Gross revenues) and $32Mn (Net) and $7Mn+ of net profits before taxes (3x Y-o-Y growth) with ROE > 20%. We are projecting ~2x growth in topline and ~3x growth in profits over the next 12 months.

WeRize operates as a “category creator” three-sided marketplace connecting 17,000+ trained local freelancers with India-2 customers and partner financial institutions, all powered by a full stack AI operating layer that creates a “flywheel of trust” with self-reinforcing network effects.

• Distributor trust: Freelancers are empowered through AI-led tools that help them act in the long-term best interests of their customers.

• Customer trust: End customers rely on WeRize’s assisted distributor, data-driven recommendations across both asset and liability products

• Manufacturer trust: Financial Institutions rely on WeRize’s data, risk management and distribution intelligence to reach small city customers that they can’t serve on their own.

Key highlights: What do we do

1. Large, underpenetrated market opportunity: India’s 300Mn+ aspirational middle class captures ~30% of GDP, yet remains financially underserved across credit, insurance, and investments. Pure-digital models lack the required trust, while physical branches are economically unviable.

2. Differentiated, asset-light social distribution: WeRize leverages 17,000+ financially literate freelancers across 5,000+ small cities. This branchless, zero-sales-team model delivers high-trust human touchpoints, superb unit economics, and strong freelancer retention through a broad product suite.

3. Proprietary AI driven tech stack: Trained on 20Bn+ data points across 4Mn+ households, WeRize’s AI powers end-to-end operations. For distribution, it optimizes lead gen, selling, and engagement—turning freelancers into professional advisors. For manufacturing, it sharpens risk management, underwriting, and product structuring for high-margin expansion.

Role Overview

We are looking for a VP – Lending who has built and managed large-scale lending operations and understands lending as a business, not just as an operations function.

The person will lead a team of approximately 230 members and own the entire lending operations engine, including disbursements, partner management, digital funnel performance, automation, operational metrics and business targets.

The business currently disburses approximately ₹130–140 Cr per month across Personal Loans, Loan Against Property (LAP) and Business Loans.

This is a national leadership role with complete P&L and target ownership.

Key Responsibilities

1. Lending Operations & Disbursements

• Own the end-to-end lending operations across Personal Loans, LAP and Business Loans.
• Drive monthly disbursements of approximately ₹130–140 Cr, ensuring achievement of business targets.
• Build scalable processes to improve operational efficiency, turnaround times and conversion.
• Monitor the complete digital lending funnel from lead generation through application, approval, sanction and disbursement.

2. Partner Relationship Management

• Own and scale relationships with key lending partners, NBFCs and financial institutions.
• Identify opportunities to grow existing partnerships and build new strategic relationships.
• Work closely with partners to improve product performance, approval rates, turnaround times and disbursement volumes.
• Drive partner-level business planning and performance reviews.

3. Team Leadership

• Lead and manage a ~230-member lending operations and partner management team.
• Build a high-performance culture with clear ownership of business and operational metrics.
• Develop the leadership layer and ensure effective execution across the national operation.

4. Digital Funnel & Business Performance

• Own the performance of the digital lending funnel and identify leakages across different stages.
• Track and improve key metrics including conversion, approval, sanction, disbursement, TAT and productivity.
• Use data and business insights to continuously improve lending performance.

5. Automation & Process Excellence

• Identify opportunities to automate manual processes and improve scalability.
• Partner with product and technology teams to build systems that improve operational efficiency and customer experience.
• Drive process standardisation across the lending business.

6. P&L & Target Ownership

• Take complete ownership of the lending P&L.
• Own business targets and ensure consistent achievement of monthly and annual objectives.
• Balance growth, operational efficiency and profitability while scaling the lending business.
• Present business performance, key metrics and strategic initiatives to the CBO.

What We're Looking For

• 15+ years of overall experience, with significant experience in lending / digital lending / NBFC / fintech environments.
• Proven experience managing large-scale lending operations and high-volume disbursements.
• Strong understanding of the end-to-end lending lifecycle.
• Experience managing large teams (200+ preferred).
• Demonstrated experience managing lending as a business, with ownership of revenue/business targets and ideally P&L.
• Strong experience in partner management, particularly with NBFCs, banks or lending institutions.
• Strong understanding of digital lending funnels, metrics, automation and operational processes.
• Highly data-driven with the ability to identify operational bottlenecks and translate insights into business outcomes.
• Strong commercial orientation with the ability to balance growth, efficiency and profitability.