Monsoon FinTech - Credit & Business Development Lead

( Fintech ) Credit & Business Development Lead

Product Development :

- Understand and articulate key pain points of given lender and work with the tech team to find solutions for them.

- Help validate the solution for given pain points by devising appropriate pilot

Sales :

Identify target lenders-clients on the basis of :

- Size of historical data-set available

- Loan Product Mix of lender

- Asset quality of loan book

- Size of loan-book

- Ease of acquiring as client

- Get mandates from the top management of NBFCs and banks to run pilots

- Engage with tech team to ensure that pilot is being executed in-line with optimal strategy for given client

- Ensure that the results of the pilot are presented in the best possible way to the client

- Work on post-pilot sale to close a long term engagement with client

Pricing :

- Understand given lender's ability and willingness to pay for our product and evolve optimal pricing

Competition Management :

- Identify key competition and perform a deep-analysis of their product offerings and business model.

- Help company adapt its offerings and business strategy to deal with competition

Skills :

Detailed and quantitative appreciation of :

- Credit risk

- Pricing of loan products

- Consumer behaviour & credit-characteristics

Thorough knowledge of processes used by best of breed Indian lenders in the areas of :

- Customer acquisition

- Credit appraisal

- Disbursement

- Collections (will be a plus)

Strong network with NBFCs and banks. Ability to leverage it to :

- Get information about the lender's pain points and processes

- Setup meetings with the top-management to pitch product

Experience and Qualifications :

A minimum of 5-8 years experience across at least 3 of the following verticals across different NBFCs and banks :

- MSME loans

- 2W/ 4W loans

- CV loans

- Personal loans

- LAP/Mortgages

- MBA/CA/CFA