Lead - LRD

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle.

The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023.

hands-on product leader with a business lens

build a high-quality lending vertical from the ground up.

Key Responsibilities:

Product Strategy & Design

• Define LRD product construct, pricing logic, target segments, and lifecycle management
• Lead design of eligibility criteria, lease structuring norms, and repayment models
• Identify and integrate enablers like legal validation, rent escrow setup, tenant diligence, etc.

Policy & Risk Management

• Co-create credit policy in partnership with credit/risk teams
• Define LTV norms, FOIR/DSCR logic, lease quality checks, and deviation frameworks
• Setup early warning indicators and risk monitoring dashboards

Process Design & Execution

• Build end-to-end operational processes for origination, disbursement, and monitoring
• Define system flows (LOS/LMS), key checkpoints, and stakeholder R&R
• Design assisted journeys with RM involvement and digital enablement

Business Setup & GTM

• Lay down blueprint for sales team engagement, lead funnel, and sourcing strategy
• Define playbook for DSA, connector, and partner-led sourcing
• Train front-line teams, design collaterals, and drive adoption in early geographies

Tech, Vendor & Capability Building

• Work with tech team to build/modify core systems, integrations (property, legal, CKYC, lease validation)
• Identify and onboard key vendors (valuation, legal, compliance partners)
• Ensure documentation, eSign, eStamp, escrow account journeys are digital-ready

Performance & Feedback Loop

• Track key metrics: disbursement volumes, TATs, rejection ratios, yield, portfolio quality
• Gather field feedback and iterate on pricing, product features, or process blocks

👤 Ideal Profile:

• Strong product management experience in LRD
• Prior experience in building/launching a new business/product vertical
• Exposure to credit policy formulation and operational journey design

Understands real estate markets, lease dynamics