SVP - MSME Digital Ecosystem - Loan

- Building the Digital Ecosystem of MSMEs/SMBs from scratch Identifying fintechs, services, offerings, products etc. to facilitate the overall growth of SMEs .

- The incumbent shall be responsible to build strategy to loans book growth digitally, drive acquisition, activation, NTB and usage, retention, cross sell and up-sell. & maintaining delinquencies at reasonable levels

- Develop and/or update Digital Banking strategies in MSMEs/SMBs domain, the incumbent shall be responsible for Digitization/Automation of the entire customer journey from sourcing to disbursement leveraging some of the tech partnerships that will aid in faster decision making.

- Identification of new customer value propositions that can then be converted into product offerings to support growth of SME Banking business of the Bank. To plan, develop, market and set up distribution of the new / existing SME product for clients of the bank in SME Segment and to monitor and measure the performance of the products after the launch.

- The incumbent will be responsible for managing the entire cycle of loan processing from sourcing, sanctioning, disbursement to repayment track, Work closely with the credit, tech teams various Products team, Sales & Distribution to explore new financing initiatives on product launches. Work with credit, analytics, operations and tech teams on end-to-end delivery of service. Work with service to ensure best in class service delivery

- Sound knowledge on Regulatory framework and Bank's lending requirements, credit documentation & processes, credit monitoring rigor and system-related requirements regarding loans, collateral management and custodian. At a granular level, the incumbent shall be responsible for designing digital loan journeys / components of the loan product - interest rates and T&C, in consultation with the policy department, lending partners, customer demand, and current market.

- Competition Mapping and market research activities for benchmarking in terms of product proposition and process flow will be a key responsibility.

- Provide inputs and advise the management team on key issues (. strategic initiatives, business unit level plans, and major investments) based on clear issue framing, systems-level thinking and rigorous analyses

- Perform periodic review, update and implementation of compliance control in accordance to Bank's standards. Ensure all products fulfil all regulatory requirements

Required Candidate profile Required Skills:

- preferably a Post-graduation from a premier MBA college with nearly 10- 12 years of experience in building and expanding SME Loans Knowledge of digital lending platform is necessary.

- Ability to work with a cross-functional team and self-motivation with the ability to learn quickly

- A career oriented mindset and are a go-getter.

- Looking for fast growth in a challenging environment and willing to work hard.