Job Title : Head Co-Lending Location : Mumbai Department : Lending / Business Development Reports to : CEO / Business Head Experience : 12+ years (with at least 3-5 years in co-lending partnerships) Industry : NBFC / Fintech / Banking Job Purpose To lead and expand the co-lending business of the NBFC by identifying, onboarding, and managing strategic partnerships with Banks and Fintechs to drive portfolio growth, compliance, and profitability. Key Responsibilities Strategic Leadership : Define the overall co-lending strategy aligned with the NBFCs growth goals. Build and execute the roadmap for co-lending partnerships across products (Retail, MSME, Affordable Housing, etc.). Partnership Development : Identify, evaluate, and onboard banks, fintechs, and institutional partners for co-lending arrangements. Lead negotiations and finalize commercial and operational terms. Operational Management : Oversee end-to-end implementation including credit policies, product integration, tech stack alignment, and regulatory compliance. Monitor disbursement, collections, reconciliation, and reporting frameworks under co-lending models Governance & Compliance : Ensure RBI and regulatory guidelines are adhered to across all partnerships. Liaise with legal, compliance, and risk teams to ensure process integrity and audits. Team Management : Build and lead a high-performing team to manage partnerships and execution. Collaborate cross-functionally with Credit, Operations, Tech, Risk, and Legal. Technology & Innovation : Work closely with the technology team for API-based integrations and digital onboarding. Identify innovations for real-time reporting, decision engines, and portfolio performance. Qualifications & Skills MBA / CA / Postgraduate in Finance, Business, or related field. Proven track record in setting up and scaling co-lending business in NBFCs/Fintechs. Strong network in banking and fintech ecosystems. Deep understanding of RBI co-lending guidelines and risk-sharing models. Excellent negotiation, communication, and stakeholder management skills. Data-driven with strong analytical and execution capabilities.
