01Key Responsibilities
- Lead end-to-end lending operations including sourcing, underwriting, disbursement, portfolio monitoring, and collections oversight.
- Drive growth of lending portfolios across retail, SME, consumer, or business lending segments.
- Develop and execute lending strategies aligned with business and risk objectives.
- Work closely with Risk, Credit, Collections, Product, Analytics, and Compliance teams to ensure sustainable portfolio performance.
- Design and optimize credit policies, underwriting frameworks, and approval processes.
- Monitor portfolio health including delinquency trends, NPAs, collections efficiency, and profitability metrics.
- Build scalable lending processes and improve operational efficiency through automation and digital initiatives.
- Evaluate new lending opportunities, partnerships, channels, and market expansion strategies.
- Ensure compliance with RBI regulations and internal governance frameworks.
- Present portfolio insights, growth plans, and risk metrics to senior leadership and stakeholders.
- Build and lead high-performing lending and credit teams.
Desired Candidate Profile:
- 13-18 years of experience within NBFCs, banks, fintechs, or lending-focused financial institutions.
- Strong understanding of retail lending, SME lending, consumer finance, or secured/unsecured lending products.
- Proven experience managing large lending portfolios and driving business growth.
- Strong exposure to underwriting, credit policy, portfolio analytics, and risk management.
- Familiarity with RBI guidelines and regulatory requirements applicable to NBFCs.
- Experience working in high-growth and fast-paced environments preferred.
- Strong stakeholder management and leadership capabilities.
- Excellent analytical, commercial, and decision-making skills. .
