Chief Executive Officer

Role Overview

The CEO of IME India Finance Pvt. Ltd. will be responsible for providing strategic vision, operational leadership, and regulatory stewardship to the company. As the head of the organization, the CEO will drive growth in the MSME lending space, ensure full compliance with RBI and NBFC regulations, and foster innovation in digital financial services. The CEO will be accountable for building a resilient and profitable business model while upholding the highest standards of governance, customer trust, and operational efficiency.

Key Responsibilities

1. Strategic Business Leadership

• Develop and execute a comprehensive strategy to position IME India Finance as a trusted and innovative NBFC focused on MSME lending.
• Identify market opportunities, product innovations, and partnerships to expand lending portfolios, diversify risk, and strengthen market presence.
• Lead annual business planning and budgeting processes, aligning business goals with regulatory frameworks and shareholder expectations.
• Anticipate changes in the lending and fintech ecosystem, ensuring agility and adaptability in business models.
• Explore and adopt global best practices and digital frameworks for NBFCs, with a focus on customer-centric lending solutions.

2. Lending Operations & Risk Management

• Oversee all aspects of MSME loan origination, underwriting, disbursement, and recovery, ensuring operational excellence and compliance.
• Establish robust credit appraisal and risk assessment frameworks to balance growth with prudent asset quality.
• Implement strong systems for loan monitoring, delinquency control, and collections management.
• Ensure effective adoption of technology-driven credit scoring, digital loan processing, and AI/analytics-led risk models.
• Develop contingency frameworks for managing credit risk, liquidity risk, and reputational risk.

3. Regulatory Compliance & Governance

• Ensure strict compliance with RBI regulations governing NBFCs, including prudential norms, capital adequacy, asset classification, provisioning, and reporting.
• Stay updated on emerging RBI guidelines, lending policies, and global financial regulations, embedding them into company practices.
• Serve as the principal point of contact with RBI, statutory auditors, and regulatory stakeholders, ensuring transparent communication and governance.
• Enforce strong Anti-Money Laundering (AML) and Know Your Customer (KYC) practices in line with national and international standards.
• Uphold the highest standards of corporate governance, aligning company practices with ethical and regulatory expectations.

4. Digital & Operational Excellence

• Drive digital transformation by implementing state-of-the-art loan management systems, customer-facing platforms, and mobile-first lending solutions.
• Enhance customer experience through simplified loan application, faster approval cycles, and seamless repayment mechanisms.
• Ensure data protection, cybersecurity, and resilience of digital platforms in line with global financial industry standards.
• Continuously improve operational processes to enhance efficiency, reduce costs, and maintain service quality.

5. Human Capital & Leadership

• Build and nurture a high-performing team across credit, operations, compliance, risk, and customer service functions.
• Establish a culture of accountability, collaboration, and performance excellence.
• Mentor senior management, develop succession planning, and invest in employee training for lending and regulatory best practices.
• Promote diversity, inclusion, and ethical leadership as core values of the organization.

6. Stakeholder & Market Engagement

• Cultivate and maintain relationships with regulators, banking partners, investors, technology providers, and MSME industry associations.
• Represent IME India Finance in industry forums, regulatory dialogues, and thought-leadership platforms.
• Strengthen brand positioning by promoting IME India Finance as a reliable and customer-first lending partner for MSMEs.

7. Financial Performance & Sustainability

• Drive profitability through disciplined cost management, optimized pricing strategies, and efficient resource allocation.
• Ensure accurate, timely, and transparent financial reporting to the Board and regulatory authorities.
• Balance growth and profitability with responsible lending and long-term sustainability.
• Monitor key financial metrics such as loan book growth, NPA ratios, and capital adequacy to ensure business health.

Candidate Profile

• Postgraduate degree in Management, Finance, Economics, or related field (MBA/CA preferred).
• Minimum 8 years of progressive leadership experience in NBFCs, banks, or financial services, with at least 5 years in a senior executive role.
• In-depth knowledge of RBI lending rules & regulations, NBFC frameworks, MSME financing, and loan system dynamics in India.
• Familiarity with global digital finance frameworks, including open banking, digital lending, and financial inclusion models.
• Proven track record of driving growth, managing risk, and ensuring compliance in a lending business.
• Strong strategic vision, stakeholder management skills, and the ability to lead a dynamic financial institution in a competitive market.
• High integrity, resilience, and adaptability to navigate complex regulatory and market environments.