SMIFS LIMITED - Head - Lending Business

Designation: Head of Lending Business

Location: Delhi, Mumbai

Job Description:

About SMIFS Limited:

Established in 1993, SMIFS Limited is a premier pan-India financial services firm, offering a wide range of services, including Equity & Commodity Brokerage, Portfolio Management, Research & Advisory, Investment Banking, Depository & Distribution of Financial Products. With a legacy spanning over five decades, we continue to empower clients with innovative financial solutions while upholding our values of Legacy, Growth, and Trust.

Role Overview:

- We are seeking an experienced and dynamic professional to lead our lending business expansion across India. This strategic role demands expertise in loan origination, business development, team leadership, and P&L management. The ideal candidate will have a proven track record in building and scaling lending operations, with strong industry connections in banks and NBFCs.

- This is a high-impact leadership position for someone who can drive lead generation, establish strategic partnerships, and optimize revenue growth in the lending sector.

Key Responsibilities:

Strategic Leadership & Growth:

- Develop and execute a nationwide strategy to scale up loan origination and revenue across personal loans, business loans, home loans, education loans, and loans against property.

- Identify new lending opportunities based on market trends, regulatory changes, and competitive insights.

Lead Generation & Business Expansion:

Implement effective multi-channel lead generation strategies, including:

- Digital Marketing: Social media, Google Ads, SEO, and content marketing.

- Strategic Partnerships: Collaborate with financial service providers, fintech companies, and B2B affiliates.

- Traditional Outreach: Offline marketing, networking, and event-based promotions.

Relationship Management:

- Build and maintain strong relationships with key stakeholders at banks, NBFCs, and financial institutions for seamless loan facilitation.

- Negotiate better lending terms, credit lines, and processing efficiencies to enhance profitability.

Team Leadership & Performance Management:

- Lead and mentor a team of sales, marketing, and operations professionals, driving them toward ambitious business targets.

- Foster a high-performance culture focused on excellence in client service and operational efficiency.

Operational & Financial Management:

- Oversee the entire lending process, ensuring compliance with RBI regulations and internal risk management policies.

- Monitor key financial metrics, optimize profitability, and manage the P&L for the lending division.

- Develop and manage the annual budget, ensuring cost-effective growth.

Who Should Apply?

Experience & Expertise:

- Minimum 10 years of experience in the lending or financial services sector, with at least 5 years in a leadership role with P&L responsibility.

- Proven track record of building and managing successful lending businesses with a focus on lead generation, partnerships, and scaling operations.

- Deep understanding of credit assessment, loan processing, risk management, and regulatory compliance.

- Established network of contacts within banks and NBFCs in India.

Skills & Competencies:

- Strategic thinker with a growth-driven mindset.

- Expert in digital marketing and lead generation techniques.

- Excellent negotiation and stakeholder management skills.

- Strong leadership, team management, and problem-solving abilities.

- Proficiency in financial analysis, budgeting, and performance tracking.

Preferred Background:

- Candidates with experience at companies like Andromeda, Finwizz, RKPL, or similar organizations will be given preference.

- Bachelors degree in Finance, Business Administration, or a related field; MBA preferred.