Head - Policy Business Loan

Position: Head - Policy (Unsecured Business Loans)

Location: Gurgaon

Industry: NBFC / Financial Services

A leading NBFC is looking to hire a senior Policy Head for its Unsecured Business Loans vertical. The role will be responsible for designing and managing credit policies, underwriting frameworks, risk controls, and portfolio quality for the MSME/SME unsecured lending business.

Key Responsibilities:

- Lead policy formulation and underwriting frameworks for unsecured business loan products.

- Develop and continuously refine credit policies based on portfolio trends, risk appetite, and market dynamics.

- Work closely with Risk, Credit, Product, Analytics, Collections, and Business teams to drive profitable portfolio growth.

- Monitor portfolio performance including delinquency, bounce rates, fraud trends, and early warning indicators.

- Introduce scorecard-based and data-driven underwriting methodologies.

- Drive automation and digitization in policy and credit decisioning processes.

- Evaluate deviations, policy exceptions, and recommend corrective measures.

- Ensure compliance with regulatory guidelines and internal governance standards.

- Support launch of new lending products, segments, and partnerships from a policy and risk perspective.

- Present portfolio insights and policy recommendations to senior leadership.

Ideal Candidate

- 12-18 years of experience in Credit Policy / Risk Management within NBFCs, Banks, or Fintechs.

- Strong expertise in unsecured business loans, MSME lending, or working capital finance.

- Deep understanding of underwriting, bureau analytics, fraud controls, risk models, and portfolio management.

- Experience in digital lending and automated credit decision systems will be preferred.