Head - Lending Operations - NBFC

Head of Lending

Location: Mumbai

Experience: 13-18 Years

About the Role:

We are looking for an experienced and commercially driven Head of Lending to lead and scale the lending business for a fast-growing NBFC. The role will be responsible for driving portfolio growth, underwriting strategy, risk-adjusted profitability, product expansion, and overall lending operations across secured and/or unsecured products.

The ideal candidate should bring strong experience across credit, lending strategy, portfolio management, and team leadership within NBFCs, fintechs, banks, or digital lending organizations.

Key Responsibilities:

- Lead end-to-end lending operations including sourcing, underwriting, disbursement, portfolio monitoring, and collections oversight.

- Drive growth of lending portfolios across retail, SME, consumer, or business lending segments.

- Develop and execute lending strategies aligned with business and risk objectives.

- Work closely with Risk, Credit, Collections, Product, Analytics, and Compliance teams to ensure sustainable portfolio performance.

- Design and optimize credit policies, underwriting frameworks, and approval processes.

- Monitor portfolio health including delinquency trends, NPAs, collections efficiency, and profitability metrics.

- Build scalable lending processes and improve operational efficiency through automation and digital initiatives.

- Evaluate new lending opportunities, partnerships, channels, and market expansion strategies.

- Ensure compliance with RBI regulations and internal governance frameworks.

- Present portfolio insights, growth plans, and risk metrics to senior leadership and stakeholders.

- Build and lead high-performing lending and credit teams.

Desired Candidate Profile:

- 13-18 years of experience within NBFCs, banks, fintechs, or lending-focused financial institutions.

- Strong understanding of retail lending, SME lending, consumer finance, or secured/unsecured lending products.

- Proven experience managing large lending portfolios and driving business growth.

- Strong exposure to underwriting, credit policy, portfolio analytics, and risk management.

- Familiarity with RBI guidelines and regulatory requirements applicable to NBFCs.

- Experience working in high-growth and fast-paced environments preferred.

- Strong stakeholder management and leadership capabilities.

- Excellent analytical, commercial, and decision-making skills.