LYWO

LYWO is assisting a Conglomerate to find a dynamic and visionary Business Head/CEO for the Retail Lending Division, to spearhead the strategic growth and transformation of a newly established Non-Banking Financial Company. The group a strong foundation in wholesale lending and is looking forward to scaling up their customer base. As Business Head, you will be instrumental in developing and executing innovative lending models, driving profitability, and scaling operations through cutting-edge technology and strategic partnerships. The ideal candidate possesses a deep understanding of the NBFC sector, with proven expertise in credit risk management, digital lending platforms, and regulatory compliance. This role demands a trustworthy and thoughtful leader who can design and launch tailored loan products, optimize loan origination processes, and drive digital transformation within the financial services sector. If you are ready to lead our retail lending business to new heights, we invite you to apply. Job Details: Industry: NBFC Company: Confidential. Will be shared if your application is shortlisted. Department: Retail Lending Role: Business Head Location: Hyderabad Compensation: Up to 80 LPA Experience Required: 12-20 years in the NBFC/Retail Lending/Fintech space. Employment Type: Full-time Key Words Defining the Job: Retail Lending, NBFC, Strategic Roadmap, Market Expansion, Digital Transformation, Customer Acquisition Strategies, Product Innovation, Fintech Innovations and Integration, Digital Lending Platforms, Credit Risk Framework, Strategic Partnerships, Retail Lending Strategy, NBFC Operations, Strategic Roadmap Development Responsibilities: Develop and execute a 1-year, 3-year, and 5-year strategic roadmap for the retail lending business aligned with overall organizational objectives. Identify and capitalize on market opportunities, set ambitious growth targets, and implement digital-first customer acquisition strategies to drive portfolio expansion. Lead the expansion of lending operations across key cities and underserved markets to enhance market penetration and customer reach. Establish a scalable, tech-driven, and cost-efficient loan origination and servicing process leveraging automation and digital technologies. Integrate AI/ML-based underwriting models to improve credit risk assessment, enhance approval rates, and minimize fraud. Build and manage strategic digital partnerships with fintechs, NBFCs, and alternative lending platforms to broaden distribution and customer access. Design and launch a diverse suite of loan products including Auto Loans, Loan Against Property (LAP), and Small Business Loans tailored to varied customer segments. Develop and optimize multiple origination and distribution channels such as DSAs, digital aggregators, dealer networks, and direct-to-customer platforms. Collaborate with marketing and analytics teams to ensure effective go-to-market strategies and continuous product innovation based on customer insights. Implement a robust credit risk framework supported by data-driven underwriting and proactive portfolio monitoring tools. Ensure full compliance with RBI regulations and internal governance standards, while staying updated with evolving regulatory requirements. Maintain high asset quality through effective collections strategies, fraud prevention measures, and regular risk assessments. Recruit, develop, and lead a high-performing leadership team across sales, risk, operations, and technology functions. Foster a culture of agility, ownership, innovation, and ethical business practices across the organization. Promote cross-functional collaboration, provide mentorship, and drive employee engagement, performance excellence, and leadership development. General Expectations and Past Experiences: Proven experience in Retail Lending Strategy Development & Execution within an NBFC environment. Prior experience in Auto Loans, LAP, MSME Loans, or digital lending platforms is highly preferred. Demonstrated success in leading Digital Transformation initiatives and Fintech Integration within the lending space. Expertise in designing and implementing a Credit Risk Management Framework to optimize portfolio quality. Strong track record in Market Expansion & Penetration Strategies, including identifying and capturing new customer segments. Deep understanding of the NBFC Regulatory Landscape, including RBI Compliance & Regulatory Reporting. Exceptional Stakeholder Management skills with the ability to build strong relationships with Investors, Regulators, and Fintech partners. Proficiency in Loan Portfolio Management & Optimization, with a focus on driving profitability and minimizing delinquencies. Show more Show less