Manager - Lending Partnership

Location: Bengaluru, India

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 Role

Swiggy is seeking a highly motivated and experienced Manager - Lending Partnership to join our growing Financial Services team. In this pivotal role, you will be responsible for identifying, evaluating, negotiating, and managing strategic lending partnerships that expand Swiggy's financial product offerings for our diverse ecosystem of consumers, delivery partners, and restaurant/store partners. You will play a crucial role in building and scaling innovative lending solutions that drive financial inclusion and convenience.

What You'll Do:

Partnership Strategy & Sourcing:

Identify and evaluate potential lending partners (banks, NBFCs, fintechs) whose capabilities align with Swiggy's financial services strategy and target segments.

Develop and maintain a robust pipeline of potential partners through market research, industry networking, and proactive outreach.

Conduct thorough due diligence on prospective partners, assessing their financial health, technological capabilities, regulatory compliance, and market reputation.

Negotiation & Deal Closure:

Lead end-to-end negotiations of commercial terms, legal agreements, and operational frameworks with lending partners.

Collaborate closely with legal, finance, product, and risk teams to ensure all partnership agreements are mutually beneficial, compliant, and scalable.

Drive the contracting process to successful closure, ensuring timely execution and adherence to internal policies.

Partnership Management & Growth:

Manage the full lifecycle of lending partnerships, from integration and launch to ongoing performance monitoring and optimization.

Establish and track key performance indicators (KPIs) for each partnership, regularly reviewing performance and identifying areas for improvement.

Develop and execute strategies to deepen existing partnerships, explore new product opportunities, and drive incremental value.

Act as the primary point of contact for lending partners, fostering strong relationships and ensuring effective communication.

Product & Market Insights:

Work cross-functionally with product and engineering teams to translate partnership opportunities into viable lending products and features.

Stay abreast of industry trends, competitive landscape, and regulatory changes in the digital lending and fintech space, providing insights to inform strategic decisions.

Identify emerging customer needs and market gaps to propose innovative lending solutions.

Risk & Compliance:

Ensure all lending partnerships and products adhere to relevant regulatory guidelines (e.g., RBI norms) and internal risk frameworks.

Collaborate with risk and compliance teams to mitigate potential risks associated with new and existing partnerships.

What You'll Bring

Experience: 5+ years of experience in business development, strategic partnerships, or relationship management within the financial services sector, with a strong focus on lending (digital lending, consumer lending, SME lending).

Domain Expertise: Deep understanding of the Indian lending ecosystem, including various lending products, credit assessment, loan lifecycle, and regulatory landscape.

Partnership Acumen: Proven track record of identifying, negotiating, and successfully managing complex partnerships with financial institutions.

Negotiation Skills: Exceptional negotiation and deal-closing abilities with a strong business acumen.

Communication: Excellent verbal and written communication skills, with the ability to articulate complex ideas clearly to diverse stakeholders.

Collaboration: Strong ability to work cross-functionally with product, legal, risk, engineering, and operations teams.

Analytical Skills: Proficient in data analysis to identify trends, measure performance, and make data-driven decisions.

Education: MBA / Masters degree in Business or Finance

Nice to Haves

Experience working in a fast-paced, high-growth startup or fintech environment.

Familiarity with the gig economy or marketplace business models.

Existing network within the Indian banking and fintech industry.

Why Join Swiggy?

Impact: Be part of a team building the future of financial services in India, impacting millions of consumers and partners.

Growth: Work in a dynamic, rapidly expanding company with immense opportunities for professional growth and learning.

Innovation: Contribute to cutting-edge financial products and solutions.

Culture: Join a vibrant, collaborative, and inclusive work environment.

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