
Director of Unsecured Lending
7 days ago
Are you ready to take on a new challenge in unsecured lending?
Job Description
We are seeking an experienced leader to define the roadmap and strategy for personal loans, business loans, and credit products.
You will be responsible for building scalable sourcing models across digital, branch, and partnership-led channels.
Your duties will include owning the business profit & loss, including disbursements, yield, cost of acquisition, cost of funds, and portfolio quality.
You will optimize unit economics and drive bottom-line growth while designing competitive loan products for salaried, self-employed, and micro-entrepreneurs.
You will leverage alternate data, analytics, and technology to build differentiated offerings and improve customer experience.
Additionally, you will partner with credit and risk teams to define underwriting policies, credit scorecards, and customer segmentation.
You will implement robust fraud prevention, collections, and NPA control strategies.
Key Responsibilities:
- Drive digital sourcing, e-KYC, real-time credit decisioning, and end-to-end customer journeys.
- Champion innovation in customer onboarding, loan servicing, and engagement.
- Expand and manage acquisition through digital, DSA, fintech, and branch-led channels.
- Build co-lending, embedded finance, and partnership ecosystems.
- Lead a high-performing cross-functional team across product, analytics, sales, and operations.
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.
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