Business Head - Personal Loans - NBFC (12-20 yrs)

Business Strategy & Planning:

- Develop and execute the business plan for the personal loans vertical in alignment with the company's overall strategy.

Market & Competitive Analysis:

- Conduct regular market research to identify trends, customer preferences, and competitor activities.

Product Development:

- Innovate and design customer-centric personal loan products tailored for different customer segments. Oversee product pricing, features, and customer journeys to maximize efficiency and profitability.

Sales & Distribution:

- Lead the sales strategy for personal loans across various channels, including direct sales, digital platforms, and partnerships. Build and expand relationships with key distribution partners, including fintech, aggregators, and third-party affiliates.

Operations & Risk Management:

- Collaborate with the credit risk team to develop sound underwriting policies and ensure robust risk management frameworks.

Team Leadership & Development:

- Lead, mentor, and develop a high-performing team to ensure alignment with business objectives.

Financial Performance & Reporting:

- Manage the P&L for the personal loans business, focusing on cost optimization and revenue growth.

Candidate Profile:

Educational Background:

- MBA/PGDM or equivalent from a reputed institution with a focus on Business, Finance, or related fields.

Experience:

- 12+ years of experience in the financial services industry, with a minimum of 5+ years in leadership roles within the personal loans or retail lending segment.

- Proven track record of successfully managing a personal loan portfolio and driving business growth in an NBFC or bank.

Skills:

- Strong understanding of the NBFC personal loans ecosystem, regulatory environment, and market trends.

- Experience in managing P&L, developing business strategies, and leading cross-functional teams.

- Excellent analytical, problem-solving, and decision-making skills.