Product Overview: Loan Product: Secured MSME Rural loans. Security: Self-occupied residential property. Ticket Size: 2 to 20 Lakhs, Interest Rate: ~22%. Customer Profile: Primarily undocumented income profiles (no banking or ITR records); income assessment conducted through field visits and surrogate credit methods (e.g., household cash flow, utility bills, GST data, etc. Target Geography: Tier 2/3/4 cities in Maharashtra, Chhattisgarh, Odisha, Telangana, Madhya Pradesh, Jharkhand. (MCOTMPJ). Key Responsibilities: - Own and execute the go-to-market strategy for the Secured MSME lending product. - Build the business from scratch including sourcing, credit underwriting, operations, and collections - Design and implement surrogate credit assessment frameworks for informal customer segments. - Recruit, train, and manage high-performing distribution and credit teams. - Establish branch and feet-on-street model for deep market penetration. - Drive growth to 2000 Cr AUM with a focus on portfolio quality and profitability. - Ensure strong governance, compliance, and risk controls across the credit lifecycle. - Coordinate with cross-functional teams to create customer-centric lending journeys. Qualifications & Experience: - 12+ years of experience in MSME or secured lending space, with deep exposure to credit underwriting, sales, and collections. - Proven track record of scaling a lending business to 2000 Cr AUM or more. - Strong understanding of lending to informal/undocumented customer segments. - Past experience in any/all of the following states is mandatory: MCOTMPJ. - Must be willing to travel to Tier 2 4 towns of these states. - Proficiency or working knowledge of local/vernacular languages in these regions will be considered a strong advantage.

Nagpur

Others

Chief Business Officer - Secured MSME Lending 

Job Description for Chief Business Officer - Secured MSME Lending  in Virtuous Advisors and Resources Pvt. ltd. in  Nagpur Others for (12-14) years of experience. Apply Now!