Vice President - Digital Business - Unsecured Lending - BFSI

- The Incumbent will be an integral member of company's leadership team, tasked with managing P&L and growing unsecured lending business and developing digital capabilities, drive efforts for maintaining quality of book, building strategic alliances, and launching new products

- As a profile center head of entire unsecured product offering, the incumbent shall be responsible to build strategy to loans book growth, drive acquisition, activation and usage, retention, cross sell and up-sell. & maintaining delinquencies at reasonable levels

- Develop and/or update Digital Banking strategies in unsecured lending domain, the incumbent shall be responsible for Digitization/Automation of the entire customer journey from sourcing to disbursement.

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

- Sound knowledge on 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 to design the 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 bench-marking 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 12-15 years

- Experience in building and expanding unsecured Loans (Personal Loan/ Business Loan).

- Knowledge of digital lending platform is necessary. 

- Ability to work with 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.