
Chief Lending Officer
1 week ago
About the Role
You will lead a high-performing team to drive unsecured lending strategy and growth for our client. As a seasoned leader, you will develop and execute business plans to achieve strategic objectives.
Key Responsibilities:
- Business Development & Growth:
• Define the roadmap and strategy for unsecured lending across personal loans, business loans, and new-age credit products.
• Build scalable and sustainable sourcing models across digital, branch, and partnership-led channels. - P&L Management:
• Own the business P&L including disbursements, yield, cost of acquisition, cost of funds, and portfolio quality.
• Optimize unit economics and drive bottom-line growth. - Product Innovation:
• Design competitive unsecured loan products for salaried, self-employed, and micro-entrepreneurs.
• Leverage alternate data, analytics, and technology to build differentiated offerings and improve customer experience. - Credit & Risk Management:
• Partner with credit and risk teams to define underwriting policies, credit scorecards, and customer segmentation.
• Implement robust fraud prevention, collections, and NPA control strategies. - Digital Transformation:
• Drive digital sourcing, e-KYC, real-time credit decisioning, and end-to-end customer journeys.
• Champion innovation in customer onboarding, loan servicing, and engagement. - Channel Expansion:
• Expand and manage acquisition through digital, DSA, fintech, and branch-led channels.
• Build co-lending, embedded finance, and partnership ecosystems. - Team Leadership:
• Lead a high-performing cross-functional team across product, analytics, sales, and operations.
• Promote a culture of agility, ownership, and high performance.
Requirements:
- 15+ years of relevant experience in unsecured lending In Banks or NBFCs
- Deep understanding of unsecured credit products, customer behavior, and risk metrics.
- Demonstrated success in scaling business lines and leading large teams.
- Tech-savvy and data-driven approach with a strong business acumen.
- MBA or equivalent post-graduate degree from a reputed institution preferred.
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