Unsecured Loan Portfolio Manager

6 days ago

Mumbai, Maharashtra, India beBeePortfolio Full time ₹ 30,00,000 - ₹ 50,00,000
Job Title:

Lead our personal loan vertical with a proven track record in scaling unsecured loan portfolios.

About the Role

  • This is an exciting opportunity to spearhead the growth and development of our personal loan business.
  • You will be responsible for crafting and executing business plans, growth roadmaps, and product strategies that drive customer acquisition through digital channels, partnerships, and co-lending collaborations.
  • Your expertise in P&L management, business development, and digital lending will be instrumental in achieving our goals.

Key Responsibilities

  1. Business Strategy & Growth
  • Own end-to-end P&L for the personal loan business.
  • Define business plans, growth roadmap, and product strategies.
  • Drive customer acquisition through digital channels, partnerships, and co-lending collaborations.
  • Identify cross-sell and up-sell opportunities within the portfolio.
Product & Process Management
  • Develop innovative personal loan products aligned with customer needs.
  • Optimize loan approval TAT, onboarding journey, and digital lending processes.
  • Collaborate with technology teams to build seamless digital journeys (app/web).
Risk & Credit Management
  • Collaborate with credit/risk teams to define policies, scorecards, and underwriting models.
  • Monitor portfolio quality, delinquency, and NPA trends.
  • Implement robust fraud detection & collection strategies.
Stakeholder & Team Leadership
  • Lead and build a high-performing sales, product, and operations team.
  • Manage relationships with fintech partners, credit bureaus, and lenders.
  • Work closely with regulators and compliance teams.
Financial & Regulatory Oversight
  • Ensure compliance with regulations.
  • Drive profitability through sustainable interest income, fees, and cost efficiency.
  • Regularly track performance metrics – disbursements, yields, PAR/NPA levels.

Requirements

  • MBA/CA/Finance/Business Management degree from a reputable institution.
  • 10–15 years of experience in retail lending, with at least 5 years in personal loans.
  • Proven track record in scaling unsecured loan portfolios in NBFCs/Fintechs/Banks.
  • Strong knowledge of credit policies, regulatory guidelines, and digital lending.
  • Excellent leadership, negotiation, and stakeholder management skills.
  • Tech-savvy mindset with exposure to digital loan origination & alternative credit models.

Key Skills

  • P&L Management
  • Business Development & Partnerships
  • Digital Lending & Product Innovation
  • Risk & Credit Policy
  • Collections & Recovery Oversight
  • Regulatory & Compliance Knowledge
  • Team Leadership & Strategic Thinking

What We Offer

  • A competitive compensation package.
  • Ongoing professional development and training opportunities.
  • A dynamic and supportive work environment.

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