Mobikwik - Business Head - Merchant Lending

As the Business Head for Merchant Lending, you will play a pivotal role in shaping the strategy, growth, operations, and product development of our merchant lending division. You will be responsible for developing and executing a comprehensive business plan, building and leading a high-performing team, and establishing strong relationships with key stakeholders in the merchant lending ecosystem.

What you'll do:

1. Conceptualizing and implementing the lending product(s).

2. Liaising with lenders like Banks, NBFCs and credit bureaus etc. and managing the business relationship.

3. Identifying and creating new business lending opportunities and partnerships. Responsible for the new initiatives, strategic alliances & partnerships pertaining to lending vertical.

4. Conceptualizing & designing lending products for merchants by classifying merchants in various segments, understanding their working capital needs and structuring customized products.

5. Developing a pipeline of value-added customer solutions to include customer experience, products, and service offerings.

6. Maintain a detailed and current understanding of the industry at SME & Micro Banking, current market structures, regulatory requirements and issues.

7. Ensure compliance to the policies, procedures and regulatory requirements.

8. Lead, motivate, and continuously develop a credible high performing team.

9. Recommending and leading new opportunities within the credit market.

What you'll possess:

- 12-15 years of extensive knowledge of the lending business, loan documents and terminology and credit risk management.

- Strong lending background in MFI or NBFCs only with a knack for working with concrete data.

- The candidate must have experience in conceptualizing and implementing lending products. (Personal loan, SME loans, micro business loans)

- Must have hands-on experience in managing teams for credit analysis, sales, relationship management.

- A good understanding of risk, credit policies and procedures.

- Willingness to learn/adapt to technological platforms.

- Strong industry knowledge and understanding of key drivers/ trends and how business works for different geographies