This position is with leading NBFC in Mumbai

Location - Mumbai / India; travel required

Have to Have Experience in : Loan Origination and Business Growth Secured MSME Lending.

Reports directly to CEO / Founder

Scale secured MSME loan origination and expand lender relationships / capital access

Key Responsibilities:

1. Capital Access, Lender Relationships, and Leverage Growth

- Build and deepen relationships with banks, NBFCs, financial institutions, family offices, NCD investors, private credit investors, co-lending partners, and other debt capital providers.

- Create and execute a 180-day lender access plan designed to double leverage capacity while preserving prudent ALM, capital adequacy, covenant discipline, and regulatory compliance.

- Work directly with the CEO to expand borrowing lines, diversify liabilities, and improve the company's cost and availability of debt capital.

- Secured lending model, portfolio performance, collateral cover, underwriting discipline, promoter strength, credit rating, and growth plan to lenders and investors.

- Support lender due diligence, data room preparation, lender presentations, portfolio reporting, rating agency interactions, trustee processes, and credit committee discussions.

- Expand access to term loans, NCDs, private debt, co-lending arrangements, BC partnerships, securitization/assignment opportunities, and other suitable liability-side instruments.

- Ensure asset growth is matched by capital availability, lender confidence, and balance sheet capacity.

2. Loan Origination and Business Growth

- Drive a step-change increase in qualified secured MSME loan application flow.

- Build and manage high-quality sourcing channels across DSAs, connectors, CAs, brokers, banks, NBFCs, industry networks, and direct borrower channels.

- Develop regional and sector-specific origination strategies for secured business loans, LAP-style structures, receivable finance, and working-capital requirements.

- Improve conversion from lead to sanction to disbursal while maintaining strict credit filters.

- Build MIS and dashboards to track sourcing productivity, channel quality, borrower quality, approval ratios, rejection reasons, and disbursal outcomes.

3. DSA and Partner Network Expansion

4. Credit-Aligned Business Development

5. Loan Lifecycle and Operating Execution

6. Team Leadership

Candidate Profile: Required Experience:

- 12-20 years of experience in NBFCs, banks, secured MSME lending, LAP, business loans, SME finance, structured lending, equipment finance, receivable finance, or related credit businesses.

- Prior NBFC experience is mandatory; candidates with only unsecured lending or pure fintech distribution experience should not be prioritized.

- Proven experience scaling secured loan origination while maintaining portfolio quality.

- Strong existing relationships with banks, NBFCs, family offices, NCD investors, private credit funds, co-lending partners, and institutional debt providers.

- Demonstrated ability to raise debt capital, increase borrowing lines, or support liability-side expansion for an NBFC, SME lender, LAP lender, housing finance company, or secured lending platform.

- Experience managing DSAs, connectors, branches, sales teams, regional lending operations, national sourcing networks, or partner ecosystems.

- Strong understanding of collateral-backed lending, LAP-style structures, business cash flows, borrower assessment, legal/valuation process, DSCR, ALM, covenants, and lender reporting.

- Experience working with lender credit teams, rating agencies, trustees, NCD investors, private credit diligence teams, and institutional reporting processes preferred.