
Chief Business Officer MSME Lending
4 weeks ago
Chief Business Officer – Secured MSME Rural Loans
Location: Nagpur
Product Overview:
● Loan Product: Secured MSME Rural loans
● Security: Self-occupied residential property
● Ticket Size: ₹2 to ₹20 Lakhs, Interest Rate: ~22%
● Customer Profile: Primarily undocumented income profiles (no banking or ITR
records); income assessment conducted through field visits and surrogate credit
methods (e.g., household cash flow, utility bills, GST data, etc.)
● Target Geography: Tier 2/3/4 cities in Maharashtra, Chhattisgarh, Odisha,
Telangana, Madhya Pradesh, Jharkhand.(MCOTMPJ).
Key Responsibilities:
● Own and execute the go-to-market strategy for the Secured MSME lending product
● Build the business from scratch including sourcing, credit underwriting, operations,
and collections
● Design and implement surrogate credit assessment frameworks for informal
customer segments
● Recruit, train, and manage high-performing distribution and credit teams
● Establish branch and feet-on-street model for deep market penetration
● Drive growth to ₹2000 Cr AUM with a focus on portfolio quality and profitability
● Ensure strong governance, compliance, and risk controls across the credit lifecycle
● Coordinate with cross-functional teams to create customer-centric lending journeys.
Qualifications & Experience:
● 12+ years of experience in MSME or secured lending space, with deep exposure to
credit underwriting, sales, and collections.
● Proven track record of scaling a lending business to ₹2000 Cr AUM or more
● Strong understanding of lending to informal/undocumented customer segments.
● Past experience in any/all of the following states is mandatory: MCOTMPJ. Must be
willing to travel to Tier 2 - 4 towns of these states.
● Proficiency or working knowledge of local/vernacular languages in these regions
will be considered a strong advantage.
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