Business Head - NBFC

Job Description:

Key Responsibilities:

- Strategy & Growth: Define and execute business strategy for both secured (LAP, Home Loans) and unsecured (SME, Personal Loans) segments, identify new markets, products, and partnerships, and drive overall revenue/P&L.

- Sales & Operations: Build, lead, and manage high-performing sales and operations teams, ensuring efficient loan lifecycle management from acquisition to disbursal.

- Credit & Risk Management: Develop/refine credit policies, underwriting guidelines (using alternative data/cash flow analysis), implement portfolio monitoring, and ensure robust risk controls for both loan types, adhering to RBI norms.

- Product Development: Collaborate with product teams to design new lending programs, incorporating insights from competition and market conditions.

- Compliance: Ensure strict adherence to NBFC regulations, RBI guidelines, and internal process controls.

- Data & Technology: Leverage data for creditworthiness assessment and utilize Loan Management Systems (LMS) and core banking systems effectively.