Associate Vice President - Digital Sales

Job Purpose:

This role is responsible for leading the strategy, development, and execution of digital lending products across Two-Wheeler Loan, Used Two-Wheeler Loan, Used Car Loan and other retail credit offerings. This role blends product innovation, customer experience, risk management, and digital transformation to drive growth and profitability.

Key Responsibilities:

Strategic Leadership:

• Define and execute the digital lending roadmap aligned with business goals
• Drive innovation in loan products, customer journeys, and digital platforms
• Lead cross-functional teams across product, tech, marketing, and operations

Product Development:

• Design and launch retail loan products (Two-Wheeler, Used TW, Used Car etc.) with digital-first features
• Implement DIY and phygital (physical + digital) customer journeys
• Leverage data analytics and alternate credit scoring models

Customer Experience:

• Optimize onboarding, application, and servicing processes for seamless digital engagement
• Personalize offerings based on customer segments and behavioral data

Risk & Compliance:

• Collaborate with credit and risk teams to define underwriting policies
• Ensure compliance with regulatory standards and data privacy laws

Channel Management:

• Expand acquisition through digital, branch, DSA, and fintech partnerships
• Build embedded finance and co-lending ecosystems

Performance & Growth:

• Own P&L for digital retail lending products
• Design and launch schemes (Two-Wheeler, Used TW, Used Car etc.) with digital-first features
• Driving the business through field team
• Monitor KPIs including disbursements, yield, cost of acquisition, and NPA ratios

Job Requirements:

• Bachelors degree in Finance, Business or Technology; MBA preferred
• 15+ years of experience in retail lending, fintech or banking
• Proven track record in launching and scaling digital lending platforms
• Strong understanding of credit risk, data analytics, and customer behavior
• Leadership experience in managing cross-functional teams
• Tech-savvy with a strategic mindset and customer-centric approach
• Strategic and analytical thinking
• Strong communication and interpersonal skills
• Problem-solving and decision-making skills
• Strong networking and People Management skills