Head - Unsecured Lending Business

Position: Head - Unsecured Lending Business

Location: Mumbai/Bangalore

Company: Arvog

About Arvog:

At Arvog we are on a mission to redefine financial services by building cutting-edge lending products that cater to the evolving needs of customers. We are setting up our Unsecured Lending business from the ground up and looking for an entrepreneurial leader to take full ownership of this vertical If you have built and scaled lending businesses, thrive in a fast-paced environment, and have a founder's mindset, we would like to talk to you!

What You'll Do:

Business Strategy & Leadership

- Define and execute the vision, strategy, and roadmap for Arvog's Unsecured Lending vertical.

- Own the P&L and drive aggressive growth while ensuring profitability and risk control.

- Identify key lending opportunities and create innovative credit products tailored to market needs.

- Leverage our existing branch presence to drive market penetration and customer acquisition.

- Develop cross-selling strategies to maximize revenue across Arvog's financial product suite.

Product & Market Expansion

- Develop customer-centric, high-margin unsecured lending products across personal loans, SME loans, and digital credit lines.

- Drive digital-first lending strategies, leveraging AI/ML for risk assessment and credit underwriting.

- Leverage Arvog's existing tech stack to create a robust, comprehensive lending system.

- Utilize data analytics to drive business decisions, optimize risk models, and enhance customer experience.

Risk, Compliance & Operations

- Set up best-in-class risk management frameworks, credit policies, and underwriting standards.

- Ensure compliance with RBI guidelines and all regulatory frameworks governing unsecured lending.

- Establish robust fraud detection and collections processes to maintain portfolio quality.

Team & Culture Building

- Build and lead a high-performing team across business, risk, operations, and tech.

- Foster a startup-like culture with speed, agility, and ownership at its core.

- Drive data-driven decision-making and operational excellence.

What We're Looking For:

- 10+ years of experience in unsecured lending, preferably in a fintech, NBFC, or digital-first lending setup.

- Proven expertise in building and scaling lending businesses from scratch.

- Entrepreneurial experience as a founder/co-founder or extensive banking experience in unsecured lending.

- Deep understanding of credit risk, underwriting, and regulatory frameworks.

- Strong leadership skills with the ability to inspire, hire, and build a high-caliber team.

- Growth mindset with a knack for innovation, partnerships, and scaling products fast.

Why Join Us?

- Opportunity to build a business ground up with complete ownership.

- A fast-growing, agile work environment with a startup DNA.

- Competitive compensation, ESOPs, and a high-impact leadership role.

- If you're excited about disrupting the unsecured lending space and want to be part of a high-growth journey, let's talk!