StashFin - Lead - SME Lending Segment

SME- Lending

Role Overview:

We are seeking a dynamic and experienced leader to head our new SME Lending Business. This independent vertical will provide term loans to merchants, both secured and unsecured. The ideal candidate will have a deep understanding of SME lending, risk management, and partnership-based lending models. They will be responsible for developing and executing the business strategy, building and leading the team, and driving growth and profitability.

Key Responsibilities:

Strategic Leadership:

- Develop and execute the business strategy for the SME Lending vertical.

- Set and achieve ambitious growth targets for the business.

- Continuously analyze market trends and adapt the strategy to maintain a competitive edge.

Team Building & Management:

- Build, lead, and mentor a high-performing team across various functions, including sales, operations, risk management, and customer service.

- Foster a culture of collaboration, innovation, and excellence within the team.

Product Development & Management:

- Oversee the development and management of SME lending products, ensuring they meet the needs of merchants.

- Collaborate with the technology and data sciences teams to implement and optimize lending models and processes.

- Ensure the products are compliant with regulatory requirements and industry best practices.

Partnership Development:

- Identify and establish strategic partnerships with large platforms and other relevant partners to source merchant data.

- Negotiate and manage partnership agreements to ensure mutually beneficial outcomes.

Risk & Credit Management:

- Develop and implement robust risk and credit policies for the SME Lending vertical.

- Work closely with the risk management team to build and refine risk models.

- Continuously monitor portfolio performance and take proactive measures to mitigate risks.

Operational Excellence:

- Ensure efficient and effective operations, from loan origination to disbursement and collection.

- Implement processes and systems to enhance customer experience and streamline operations.

- Drive continuous improvement initiatives to optimize operational efficiency and effectiveness.

Qualifications:

Education:

- Bachelor's or Master's degree in Finance, Business Administration, Economics, or a related field.

Experience:

- 10+ years of experience in SME lending, financial services, or a related field.

- Proven track record of building and leading successful lending businesses.

- Experience with partnership-based lending models and co-lending arrangements.

Skills:

- Strong strategic and analytical skills.

- Excellent leadership and team management abilities.

- Exceptional communication and interpersonal skills.

- In-depth knowledge of risk management and credit policies.

- Ability to drive results in a fast-paced and dynamic environment.

Why Join Stashfin?

- Innovative Environment: Work in a dynamic and innovative environment with cutting-edge technology.

- Career Growth: Opportunities for career growth and professional development.

- Impact: Play a pivotal role in shaping the financial health of millions of individuals and businesses.