Manoj T.
Associate Director -Strategic Partnership PayU Credit |Pan-India Leader Decoding Rural & Urban Credit Distribution |Expert in Unsecured PL, Digital & Secured Lending MSME, Agri | DSA/Branch Channel Specialist |Ex-ICICI
- Role
- Associate Director- Online Partnership Lending at PayU
- Location
- Pune, MH, IN
- LinkedIn followers
- 500 followers
About Manoj T.
A growth-driven retail lending professional with 18+ years of experience in building and scaling credit businesses from ground zero. Currently leading online lending partnerships at PayU, driving digital personal loan growth through fintech ecosystems. Previously handled the DSA vertical as Zonal Sales Manager, managing large sales teams and credit disbursement across multiple states.At ICICI Bank, led secured loan portfolios including MSME, SME, and Agri finance, leveraging both branch channels and open market distribution.My strength lies in decoding credit distribution across rural and urban India, building scalable lending models, and blending offline and online strategies for growth.Key Expertise:0 to 1 Business BuildingUnsecured Lending: Personal Loans, Digital CreditSecured Lending: MSME Loans, Agri Finance, Strategy: DSA, Branch, Connector ModelsPan-India Market Expansion & Sales LeadershipPassionate about transforming lending access at scale through data, distribution, and deep market insight.Proficient in:Risk monitoring and credit appraisalPartner/channel onboarding and productivity enhancementLending product lifecycle management (KCC, Pledge, Equipment, Consumption Loans)Process optimization and digital transformation in lending operationsA firm believer in blending traditional lending expertise with new-age fintech partnerships to drive scale, improve customer satisfaction, and ensure profitability.
Experience
Associate Director- Online Partnership Lending
Jan 2025 — Present
Education
Institute For Technology And Management
PGDM
2009 — 2011
Fergusson College
B.Sc
2003 — 2005
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