Head - Unsecured Consumer Lending - FinTech - IIM/ISB/FMS/MDI

As Head - Consumer Lending - Unsecured, you shall lead the unsecured consumer lending business.

- The incumbent shall be responsible for the unsecured consumer loan products/portfolio, lending practices, credit/loan policies, guidelines, and procedures to address consumer needs, business objectives, and strategic plans.

- The person shall be responsible to ensure optimal end to end lending customer journey and operations, drive process improvements, and monitored loan quality exposures and concentration risks.

Key responsibilities :

- Conceptualizing and implementing the consumer lending product(s)

- Liaising with lenders like Banks, NBFCs and lenders etc. and managing the business relationship

- Identifying and creating new business lending opportunities and partnerships. Responsible for the new initiatives, strategic alliances & partnerships pertaining to lending vertical.

- Developing a pipeline of value-added customer solutions to include customer experience, products, and service offerings.

- Owning sales targets overall and within accounts. Developing and implementing strategic plan to achieve the same.

- Build and maintain strong customer relationships and be a partner to customers to understand their needs and objectives.

- To understand customer requirement in the geography assigned and future product portfolio improvement based on past customer feedback.

- Consistently achieve revenue targets in line with team/organizational objectives.

- Stakeholder management across levels and cross-functions

- Ensure compliance to the policies, procedures, and regulatory requirements.

- Lead, motivate, and continuously develop a credible high performing team.

Capabilities we are looking for :

- 10+ years of extensive knowledge of the lending business, loan documents and terminology and credit risk management.

- Fintech

- The candidate should have an engineering background from a premier college. MBA from a tier-1 B School will be preferable.

- The candidate must have experience in conceptualizing and implementing lending product

- A good understanding of risk, credit policies and procedures.

- Strong lending background in Fintech, MFI or NBFCs only with a knack for working with concrete data

- Passion towards building a large consumer fintech business

- Strong industry knowledge and understanding of key drivers/ trends and how business works for different geographies