About Credit Saison India:

Established in 2019, Credit Saison India (CS India) is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting Indias huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx ~2000 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japans largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison Internationals global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Role Overview:

We are looking for a dynamic business leader to build and scale the SME lending platform for small-ticket loans (typically up to 10 lakh). The role will own the end-to-end SME lending journeyfrom sourcing and digital funnels to conversion, partnerships, customer experience and portfolio growth.

The ideal candidate should have strong experience in SME lending/fintech, with a deep understanding of digital acquisition funnels and the ability to build scalable lending businesses.

Key Responsibilities:

- Own the P&L/business growth for the small-ticket SME lending platform.

- Build and scale digital SME lending funnels across acquisition, onboarding, underwriting and disbursal.

- Drive improvements in funnel metricsleads, login, approval, conversion, TAT and disbursals.

- Work closely with Credit, Risk, Technology, Product, Operations and Collections teams to create a seamless lending journey.

- Identify new customer segments, channels and propositions to accelerate SME loan growth through platform.

- Use data and customer insights to improve product proposition, pricing, eligibility and conversion.

- Bring in market intel and abreast with market feedback and updates.

- Track portfolio performance and work with Risk/Credit teams to ensure sustainable growth and portfolio quality.

- Build and manage a high-performing team across business development, partnerships and platform growth.

Ideal Candidate:

- 12- 18+ years of experience in SME lending, digital lending or fintech, preferably in a business/P&L leadership role.

- Strong understanding of small-ticket SME lending and digital lending journeys.

- Experience working with or building partnerships with SME-focused fintechs/platforms.

- Strong understanding of acquisition funnels, customer journeys and lending economics.

- Proven track record of scaling a lending business or digital lending platform.

- Strong commercial, analytical and stakeholder management skills.