Business Head - Lending Marketplace & Customer Monetization

About Uni:

At Uni, our mission is to simplify credit and help customers make better financial decisions. While Uni GoldX remains our flagship credit card, our vision extends beyond a single product - we want to ensure every customer who enters the Uni ecosystem gets access to the right financial solution. Whether it's a credit card, personal loan, secured credit card, loan consolidation or a credit-building journey, we aim to intelligently match customers with the most relevant product based on their bureau profile, financial behaviour and borrowing needs.

As we expand our lending ecosystem, we're looking for a Business Head to build and scale this business into one of India's largest AI-enabled lending marketplaces.

About the Role:

This is a General Manager role with end-to-end ownership of the Lending Marketplace business. You will own the business strategy, P&L, customer journeys, credit allocation, lender partnerships, growth, operations and AI-led customer engagement for all lending products. The role requires someone who combines strong commercial acumen, a deep understanding of credit and bureau data, operational excellence, and an ability to drive execution at scale. You should be equally comfortable making strategic business decisions, working with credit and risk teams, building customer growth engines, and leading cross-functional teams to deliver exceptional customer and business outcomes.

Key Responsibilities:

- Own the Lending Marketplace Business: Own the complete P&L and business performance across products including Partner Credit Cards, Personal Loans, Secured Credit Cards, Credit Score Improvement Products, Loan Consolidation, Balance Transfer Products and Future Lending Products. Define the business strategy, growth roadmap, commercial priorities and profitability targets while scaling the lending marketplace.

- Build the Credit Allocation Engine: Own the intelligence that determines the best financial product for every customer. Match customers not approved for primary products to the most suitable partner products based on bureau history, underwriting policies, approval probability, unit economics and customer lifetime value.

- Own Bureau Strategy & Risk Collaboration: Partner with Risk teams to improve customer segmentation, approval rates, lender allocation and portfolio quality while translating bureau insights into business growth opportunities.

- Drive Customer Growth & Monetization: Own customer acquisition, activation and monetization across in-app experiences, CRM, Push Notifications, WhatsApp, SMS, Email, lifecycle marketing, cross-sell journeys and AI-powered outbound sales calling.

- Build AI-powered Customer Engagement: Build an AI-powered Credit & Financial Advisor that understands each customer's bureau profile and financial needs, educates customers, recommends relevant products, improves credit health, proactively engages customers and acts as a trusted financial assistant using conversational AI.

- Own Lending Partnerships: Manage banks and NBFC partnerships, commercial negotiations, underwriting optimization, new product launches and business reviews.

- Lead Lending Operations: Lead loan fulfilment, servicing, loan consolidation, balance transfers, documentation, vendor management, automation and operational excellence.

- Build & Lead High-Performing Teams: Lead Business, Growth, Partnerships, Operations and Program Management teams while fostering a culture of ownership and execution excellence.

What We're Looking For:

- 10 - 15+ years of experience in fintech, banking or consumer lending.

- Strong understanding of bureau data, underwriting principles and lending risk.

- Experience building or scaling credit card, personal loan or lending businesses.

- Demonstrated experience owning a business or P&L.

- Experience working with multiple banks, NBFCs and lending partners.

- Deep understanding of digital growth, customer lifecycle management and CRM.

- Experience leveraging AI, automation or digital engagement platforms is a strong advantage.

- Strong analytical and problem-solving skills.

- Proven ability to build and lead high-performing cross-functional teams.

- Ownership mindset with a bias for action in a high-growth environment.