Business Head- Digital Business

Job Title: Head – Personal Loan (Digital Business)

Location:

Company Type:

Reporting to:

Kindly share your resumes on – renu.koli@fatakpay.com

Role Overview:

Personal Loan vertical

Key Responsibilities:

1. Business Strategy & Growth

• Own end-to-end P&L for the personal loan business.
• Define business plans, growth roadmap, and product strategies.
• Drive customer acquisition through digital, affiliates, paartnerships and co-lending partnerships.
• Identify cross-sell and up-sell opportunities within the portfolio.

2. Product & Process Management

• Develop innovative personal loan products aligned with customer needs.
• Optimize loan approval TAT, onboarding journey, and digital lending processes.
• Work with technology teams to build seamless digital journeys (app/web).

3. Risk & Credit Management

• Collaborate with credit/risk teams to define policies, scorecards, and underwriting models.
• Monitor portfolio quality, delinquency, and NPA trends.
• Implement robust fraud detection & collection strategies.

4. Stakeholder & Team Leadership

• Lead and build a high-performing sales, product, and operations team.
• Manage relationships with affiliates, fintech partners, credit bureaus, and lenders.
• Work closely with regulators, auditors, and compliance teams.

5. Financial & Regulatory Oversight

• Ensure compliance with RBI and NBFC regulations.
• Drive profitability through sustainable interest income, fees, and cost efficiency.
• Regularly track performance metrics – disbursements, yields, PAR/NPA levels.

Key Requirements:

• Education:

  MBA/CA/Finance/Business Management from a reputed institute.

• Experience:

  10–15 years of experience in retail lending, with at least 5 years in personal loans.
• Proven track record in scaling unsecured loan portfolios in NBFCs/Fintechs/Banks.
• Strong knowledge of credit policies, regulatory guidelines, and digital lending.
• Excellent leadership, negotiation, and stakeholder management skills.
• Tech-savvy mindset with exposure to digital loan origination & alternative credit models.

Key Skills:

• P&L Management
• Business Development & Partnerships
• Digital Lending & Product Innovation
• Risk & Credit Policy
• Collections & Recovery Oversight
• Regulatory & Compliance Knowledge
• Team Leadership & Strategic Thinking

Kindly share your resumes on – renu.koli@fatakpay.com