Lead the PL Product Function: Build, manage and mentor a high-performing product team. Oversee loan origination, approval, disbursement, and EMI servicing flows to ensure seamless, scalable operations.

Drive Innovation: Conceptualize and launch product innovations in the personal lending space, such as pre-approved loan offerings, embedded finance solutions, flexible repayment structures, and interoperable credit lines.

Process Improvement: Continuously identify and implement process improvements to enhance the customer experience, reduce turnaround time (TAT), improve partner satisfaction, and strengthen risk controls.

Automation & Digitisation: Drive automation and digitisation initiatives across the lending lifecycle and ensure the tech stack is best in class.

Cross-Functional Collaboration: Work closely with Risk, Legal, Compliance, Technology, Operations, Collections, and Business teams to ensure seamless execution, risk alignment, and strict adherence to RBI digital lending regulations.

Portfolio & Performance Monitoring: Monitor portfolio performance rigorously, including disbursals, approval rates, conversion funnels, delinquency trends, NPAs, collection efficiency, and profitability metrics.

Product Execution: Oversee the preparation of detailed Product Requirement Documents (PRDs) and Business Requirement Documents (BRDs), championing agile development cycles, UAT, and successful go-live processes.

AI Strategy & Product Transformation: Build AI first product experiences for customers and borrowers. Leverage AI for driving automation across credit underwriting, fraud detection and improving process efficiency.

Leadership Traits:

- Strong product, credit and business understanding

- Ability to operate in a high-paced, high scale environment with complete ownership

- High execution velocity with strong prioritisation discipline

- Strong cross functional leadership across product, technology, credit, operations and business verticals

- Bias for simplification, scale and execution with ecosystem level thinking

Required Qualifications & Experience:

- MBA or equivalent postgraduate qualification from a Tier 1 / Tier 2 institution.

- 12-15 years of product management experience in Banking, NBFC, Fintech, or Consumer Finance organizations within the Indian lending ecosystem, with at least 4-5 years in a leadership/functional head role.

- Mandatory hands-on experience and proven track record in scaling Personal Loans and unsecured digital lending products.

- Deep understanding of digital onboarding, bureau integrations, eKYC, underwriting systems, and modern loan management systems (LMS).

- Experience managing B2B2C partner ecosystems, LSP frameworks, and retail distribution partnerships.

- Sound knowledge of RBI regulations applicable to retail lending, digital lending guidelines (DLG), and consumer finance products.

- Experience working with the Account Aggregator framework, alternative data underwriting, or embedded finance platforms is highly preferred.

- Proven ability to manage cross-functional stakeholders at the executive level and drive execution in a highly regulated environment.

Core Competencies:

- Strategic leadership with a strong execution orientation.

- Absolute ownership and accountability for the PL function.

- Ability to balance aggressive growth objectives with prudent credit risk management.

- Excellent communication, negotiation, and stakeholder management skills.

- Data-driven decision-making and problem-solving abilities.

- Ability to operate and lead effectively in a fast-paced, performance-driven environment.