Finance Head Unsecured Lending Business

4 hours ago

Bengaluru, Karnataka, India Muthoot Finance Full time ₹ 1,04,000 - ₹ 1,30,878 per year
  • Collaborate with the Family Board, the President of Unsecured Lending, and other senior leaders to align financial strategies with overall business goals and stakeholder expectations.
  • Develop and implement financial models to optimize profitability, cost efficiency, and portfolio performance.
  • Drive financial planning and analysis (FP&A) for the unsecured lending division, including budgeting, forecasting, and variance analysis.
  • Lead the development and execution of the Annual Operating Plan (AOP) for the unsecured lending division, ensuring alignment with organizational goals and financial targets.
  • Monitor the financial health of the unsecured lending portfolio, analyzing key metrics such as delinquency rates, recovery percentages, and net interest margins.
  • Provide actionable insights to improve portfolio performance and mitigate risks.
  • Ensure compliance with RBI guidelines, NBFC regulations, and internal financial policies.
  • Work closely with the collections team to ensure financial alignment in recovery strategies and cost optimization.
  • Act as a key financial advisor to the Family Board, President of Unsecured Lending, and other senior stakeholders.
  • Prepare and present financial reports, portfolio updates, and strategic recommendations to the leadership team.
  • Build strong relationships with external stakeholders, including auditors, regulators, and financial institutions.
  • Lead, mentor, and develop a high-performing finance team, fostering a culture of accountability, innovation, and continuous improvement.
  • Leverage digital tools, analytics, and fintech platforms to enhance financial reporting, portfolio monitoring, and decision-making.
  • Drive automation and process improvements to increase efficiency and accuracy in financial operations.Role & responsibilities

Preferred candidate profile

  • Bachelors degree in Finance, Accounting, Business Administration, or a related field (Master's degree or CA/CPA preferred).
  • Minimum 12 years of experience in financial management, with at least 5 years in a leadership role within the financial services or NBFC sector.
  • Proven track record of managing financial operations for unsecured lending portfolios, including small-ticket loans.
  • Strong understanding of unsecured lending products, financial modeling, and portfolio management.
  • In-depth knowledge of RBI guidelines, NBFC regulations, and statutory requirements related to financial management.
  • Proficiency in leveraging digital tools, analytics, and emerging technologies for financial optimization.
  • Exceptional leadership skills with the ability to manage cross-functional teams and drive results.
  • Strong communication and stakeholder management skills, with the ability to influence decision-making at the executive level.
  • Analytical and problem-solving abilities, with a focus on delivering results in a fast-paced environment.

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