Chief Executive Officer

single-point owner of strategy, execution, profitability, risk, and institutional growth

buildscaleprotect mandate

CORE RESPONSIBILITIES

1. Business Leadership & Strategy

• Define and execute

  annual operating plans

  and long-term growth roadmap
• Balance

  growth, profitability, and asset quality

• Drive expansion across branches, products, and partnerships
  
• Reduce promoter dependency by building a

  process-led organization

2. Gold Loan & Existing Business Oversight

• Strengthen Gold Loan portfolio with

  consistent growth and low NPAs

• Improve branch productivity and customer acquisition efficiency
  
• Optimize pricing, LTV, tenure, and yield without compromising risk
  
• Ensure smooth BAU operations across all locations
  

3. Loan Against Property (LAP) – Strategic Ownership

• Conceptualize, launch, and scale

  LAP as a core vertical

• Finalize LAP

  credit policy, LTV norms, pricing, tenure, and risk framework

• Build sales channels: internal team, DSAs, builder & professional tie-ups
  
• Establish legal, valuation, technical, and documentation SOPs
  
• Achieve

  portfolio quality, TAT discipline, and breakeven timelines

4. Financial & P&L Management

• Full ownership of

  group P&L

• Manage cost-to-income, margins, ROA, ROE
  
• Capital allocation across products and branches
  
• Liquidity, ALM, refinancing, and lender relationship management
  
• Prepare organization for

  fund raise, co-lending, or structured finance

5. Risk, Compliance & Governance

• Ensure 100% compliance with

  RBI NBFC regulations

• Oversee audit, compliance, credit risk, and operational risk
  
• Maintain zero tolerance for regulatory lapses
  
• Strengthen internal controls and early warning systems
  

6. People, Culture & Leadership

• Build and mentor

  second-line leadership

  (BM, Area Head, Credit, LAP Head)
• Implement

  KRA/KPI-driven performance culture

• Improve accountability, ownership, and retention
  
• Drive leadership discipline across levels
  

7. Systems, Process & Scalability

• Institutionalize SOPs, MIS, dashboards, and review rhythms
  
• Drive adoption of LOS, CRM, HRMS, and automation tools
  
• Ensure scalability without loss of control
  
• Transition JFL from

  founder-driven to system-driven

Preferred candidate profile

• 12–20 years in

  NBFC / Banking / Secured Lending

• Proven experience in

  Gold Loan and/or LAP

• Prior

  P&L ownership

• Strong understanding of

  RBI regulations

• Builder mindset with Tier-2 / Tier-3 market exposure
  
• Comfortable with high accountability and board scrutiny