Executive Summary:

We are seeking a visionary Chief Business Officer (CBO) to lead our Non-Banking Finance Company (NBFC).

Position: Chief Business Officer (CBO) - Retail

Company: Non-Banking Finance Company (NBFC)

Location: Delhi

Industry: Financial Services / Non-Banking Financial Company

We are an established, high-growth financial services group operating a suite of boutique companies. Our ecosystem spans across a Non-Banking Financial Company (NBFC), Asset Management (AMC), Corporate Advisory, and Investment Banking (IB). We provide tailored, end-to-end financial solutions to corporate, institutional, and high-net-worth clients.

Key Responsibilities:

1. Maximize Strategic Growth & Retail Asset Scaling:

- Loan Book Scaling: Formulate and execute aggressive, long-term retail asset sourcing strategies to rapidly expand the retail loan portfolio.

- Group Synergies: Collaborate with ecosystem heads in Asset Management, Corporate Advisory, and Investment Banking to drive cross-functional business synergies and client referrals.

- Market Expansion: Proactively identify and capture new micro-market opportunities, emerging retail asset segments, and high-yield product niches.

2. Financial Performance & P&L Ownership:

- P&L Delivery: Own the complete metrics of the retail business unit - driving sustainable top-line revenue growth and bottom-line profit margins.

- Capital Allocation: Optimize capital deployment across various retail product lines (e.g., LAP, Business Loans, Secured MSME) to maximize Risk-Adjusted Return on Capital (RAROC).

- Cost Optimization: Implement digital-first processes and streamlined origination frameworks to reduce the cost of acquisition (CAC) and improve operating structures.

3. Funding & Liability Support:

- Diverse Sourcing: Work closely with the CEO to pitch the asset-side growth story to public/private banks, development financial institutions, and co-lending partners to secure diverse, low-cost funding lines.

- Asset-Liability Balance: Co-manage asset side maturities to support institutional liquidity frameworks, ensuring book growth matches overall balance sheet capacity.

4. Credit Risk, Governance & RBI Compliance:

- Underwriting Alignment: Champion a culture of rigorous credit underwriting, ensuring market-facing teams adhere strictly to risk boundaries to protect the portfolio from early delinquencies.

- Regulatory Adherence: Ensure all retail sourcing, customer onboarding, and digital lending practices remain 100% compliant with RBI guidelines, consumer protection codes, and audit standards.

- Reputation Protection: Maintain impeccable governance standards in field operations, channel payouts, and collections to preserve the group's premium market reputation.

5. Talent Leadership & Performance Culture:

- High-Performing Org: Recruit, mentor, and retain top-tier sales, relationship, and channel management talent within the competitive Delhi financial ecosystem.

- Accountability & KPIs: Foster a transparent culture of absolute accountability by aligning individual and team KPIs directly with the group's asset growth and portfolio health metrics.

Ideal Candidate Profile:

1. Professional Background & Experience:

- Total Experience: 15+ years of total experience in financial services, with a strong focus on retail banking or NBFC asset-side operations.

- Leadership Track Record: Minimum 5 - 7+ years in a prominent zonal, regional, or national leadership capacity driving retail asset distribution.

- Sourcing Expertise: Entrenched expertise in secured asset scaling (LAP, Secured MSME, Mortgage) with active, deep-rooted networks across major Delhi NCR DSA hubs, connectors, and corporate channels.

2. Core Competencies:

- Credit & Risk Acumen: Sharp understanding of credit risk models, cash-flow analysis, and debt-service capability parameters.

- Regulatory Dexterity: Strong navigate-to-win mindset regarding RBI compliance, digital lending mandates, and corporate governance frameworks.

- Commercial Fluency: Masterful ability to conceptualize complex multi-channel originations, co-lending partnerships, and structured product distribution programs.

3. Education & Credentials:

- Qualifications: Chartered Accountant (CA), MBA in Finance, or equivalent post-graduate credentials.

- Institutional Pedigree: Academic background from a Tier-1 educational institution is highly preferred.