Description:

Role Overview:

We are hiring a senior leadership role to oversee and scale both Secured Lending (LAP) and Used Vehicle Finance (Commercial & Used Car) businesses across India

This role will directly manage the RSM LAP and RSM Wheels, while owning complete responsibility for business growth, ecosystem development, policy alignment, team productivity, and strategic execution across both product lines.

The individual will work closely with the Founders and Co-Founders, translating strategic direction into execution on the ground. This position is ideal for someone who has already handled large regional businesses and is ready to take the next step towards state / multi-state leadership.

Key Responsibilities:

1. Business Leadership & Scale:

- Own P&L, growth strategy, and execution for LAP, and Used Vehicle Finance across various regions in India

- Drive aggressive but sustainable growth with strong focus on yield, portfolio quality, and controlled DPD.

- Align business execution with the long-term vision of Organisation

2. Multi-Product & Multi-State Oversight:

- Manage and guide two independent RSM verticals (LAP & Wheels), ensuring alignment in culture, productivity, and performance.

- Oversee operations across 15+ cities, including rural and semi-urban markets, with a deep understanding of local dynamics.

3. Sales Ecosystem & Productivity Enhancement:

- Build a stronger, scalable sales ecosystem to enhance productivity across branches and teams.

Drive curated sourcing using technology, enabling effective sourcing through:

- DSAs

- Channel partners / connectors

- Self-sourcing sales teams

- Partnership Alliances with large lenders to build BC and a Co- Lending book.

- Establish systems and discipline to achieve a monthly disbursal run rate of 2025 Cr by December 2026. LAP : Used Vehicle Finance in the ratio of 70-30

4. Team Building & Leadership:

- Build, mentor, and retain high-performing sales and product teams

- Ensure quick hiring of productive teams, minimizing go-to-market delays.

- Drive a performance-oriented culture with accountability and ethical sales practices.

5. Policy, Credit & Risk Alignment:

- Work closely with Credit, Risk, and Operations teams to implement and refine policies across products.

- Ensure consistency in underwriting, legal, technical, and operational practices across geographies.

6. Partnerships & Network Development:

- Leverage and expand strong DSA and industry networks across LAP, and Used Vehicle finance.

- Establish partnerships for valuation, legal, technical, insurance, and other support services.

- Identify additional revenue streams, including insurance and cross-sell products.

7. Branch & Infrastructure Development:

- Oversee branch expansion, real estate identification, and operational readiness.

- Support RTP approvals and regulatory requirements where applicable.

8. Founder Collaboration & Strategic Execution:

- Work directly with Founders / Co-Founders on strategic planning and execution.

- Provide regular business updates, insights, challenges, and market intelligence.

- Act as a bridge between leadership vision and on-ground execution.

Qualifications & Experience:

- 10+ years of experience in secured lending preferably in MSME LAP and additionally in Used vehicle finance, with senior regional or state-level responsibility.

- Proven experience managing multi-product and multi-city operations.

- Strong understanding of credit, legal, technical, and risk nuances, especially in rural and semi-urban markets.

- Demonstrated success in building businesses from scale-up or near-zero stages.

- Established DSA and industry network across Maharashtra; exposure to UP is a strong advantage.

- Strong leadership, execution mindset, and ability to work closely with founders.

- Comfortable with frequent travel and hands-on execution.

Why Join:

- Opportunity to lead multiple core businesses with high growth potential.

- Direct exposure to founders and involvement in strategic decision-making.

- Capital availability with freedom to build responsibly.

- Chance to create long-term impact in rural and semi-urban finance.

- Compensation as per market including ESOPs