Posted:1 day ago|
Platform:
Work from Office
Full Time
Capri Global Capital Limited seeks strategic talent to join as Strategy Lead - Gold Loans (MD Office) as part of MD office team. This is a critical Role with responsibility for driving enterprise-level strategic initiatives across the Gold Loans vertical, with primary office location at Lower Parel, Mumbai. The Strategy Lead will work closely in the guidance of MD office team, Chief Business Officer, and senior leadership in Gold Loan business to shape product strategy, market expansion, operational excellence, and regulatory positioning across all geographies while maintaining focus on profitability, risk management, and strategic growth.
This is a high-impact position requiring sharp analytical acumen, consulting-level strategic thinking, and deep understanding of financial services and organizational dynamics and he will be responsible to drive initiatives that define Capri's competitive positioning in the rapidly evolving gold lending market.
- As part of MD office strategy team work on comprehensive 3-5 year strategy for Gold Loans vertical at enterprise level, encompassing national AUM growth targets, profitability roadmap, market penetration plans, product innovation roadmap, and expansion initiatives across geographies.
- Conduct rigorous market analysis, competitive benchmarking, customer segmentation studies, and macro-economic trend analysis to identify growth opportunities and threats across India.
- Create actionable business plans with clear KPIs, milestones, resource allocation, and risk mitigation strategies for national rollout with regional customization.
- Present strategic recommendations to MD office, with data-driven insights, financial impact assessments, and scenario planning
- Support MD office in board meetings and investor presentations with strategic insights and performance narratives.
- Work with Senior Leadership Team on branch network optimization, new market entry strategy, geographic penetration, and channel partnerships across India.
- Identify and evaluate strategic partnership opportunities with fintech platforms, digital channels, banks, payment systems, and alternative distribution networks to drive customer acquisition at scale.
- Drive revenue growth through product enhancements, pricing optimization, cross-sell/upsell strategies, customer lifecycle management, and portfolio optimization.
- Analyse the P&L for strategic growth initiatives and ensure accountability through monthly performance tracking, course correction, and scenario planning and share the recommendation with MD office and senior leadership in Gold Loans.
- Develop market entry strategies for tier-2/tier-3 towns and new customer segments (SMEs, digital-first, HNI segments).
- Research and recommend next-generation gold lending products tailored to emerging customer segments (digital-first customers, high-net-worth individuals, SME segments, recurring borrowers).
- Evaluate and recommend technology integration opportunities including digital onboarding, AI-powered credit assessment, blockchain-based collateral management, and API-based ecosystem partnerships.
- Lead cost optimization and margin improvement initiatives to improve operational margins while maintaining service quality and customer satisfaction standards.
- Monitor industry trends, regulatory changes, fintech disruption, and emerging technologies to keep Capri ahead of market evolution.
- Recommend product innovation priorities and resource allocation across product development teams.
- Own comprehensive business intelligence dashboards and analytics infrastructure tracking AUM, customer acquisition metrics, NPA rates, operational efficiency, profitability metrics, and market share.
- Conduct deep-dive root cause analysis on performance gaps, market trends, and competitive moves; implement data-driven corrective measures.
- Lead monthly/quarterly business reviews with regional teams, business heads, and MD office ; provide strategic performance narratives.
- Develop predictive models for customer behavior, market demand, portfolio performance, and economic scenarios.
- Create executive dashboards and analytical tools for MD office and Senior Leadership.
- Support MD office in stakeholder communications including investor relation, presentations, earnings calls, and strategic updates.
- Develop business cases and investment proposals for new initiatives, expansions, and strategic partnerships.
- Prepare market analysis reports, competitive positioning documents, and strategic white papers for internal and external stakeholders.
- Maintain competitive intelligence and market landscape reports for board consumption.
- Full-time MBA from Tier 1 B-Schools ONLY/ CA.
- Batch Passout: 2020, 2021, 2022, or 2023 (post-MBA)
- Consulting Experience: Minimum 2-4 years of full-time work experience at Tier 1 Business Consulting Firms.
- Financial Services sector (BFSI) with focus on banking, lending, or fintech.
- Lending or fintech domain (retail lending, SME lending, digital lending preferred).
- Product strategy in financial services.
- NBFC, bank, or lending platform case work and engagements.
- Strategic Thinking: Ability to think at enterprise level, connect complex business dynamics, and develop integrated strategies for multiple stakeholders.
- Analytical Excellence: Mastery of financial modeling, data analysis, market research, competitive analysis, and business case development.
- Consulting Mindset: Structured problem-solving orientation, hypothesis-driven approach, ability to synthesize complex information into actionable insights.
- Communication & Influence: Exceptional presentation and storytelling skills with ability to influence C-suite stakeholders, board members, and investors.
- Leadership: Demonstrated ability to influence without authority, drive cross-functional alignment, mentor senior teams, and build organizational capability.
- Business Acumen: Deep understanding of P&L dynamics, unit economics, capital efficiency, business sustainability, and investor expectations.
- Advanced proficiency in Microsoft Excel (pivot tables, VLOOKUP, advanced formulas, scenario modeling, financial analysis.
- Strong working knowledge of Power BI / Tableau / Looker for data visualization, dashboarding, and analytics.
- Experience with financial modeling (DCF analysis, sensitivity analysis, scenario building, valuation models).
- SQL or Python for data manipulation and analysis preferred (not mandatory but valued).
- Presentation skills with ability to create compelling executive presentations (PowerPoint, Keynote).
- Primary Office: Lower Parel, Mumbai (MD Office).
- Travel: 20-30% national travel for stakeholder meetings, regional business visits, market research, and operational reviews.
1. AUM Growth & Market Leadership: Achieve and exceed assigned Gold Loans AUM growth targets year-on-year; grow market share and competitive positioning.
2. Portfolio Quality & Risk Management: Maintain or reduce NPA rate to industry-best benchmarks; ensure credit quality through robust underwriting and risk frameworks.
3. Profitability & Unit Economics: Improve profitability metrics including ROA, ROE, and gross margins; optimize operational efficiency.
4. Customer Acquisition Cost & CAC Efficiency: Optimize CAC trajectory while scaling customer base across markets; improve unit economics.
5. Product Innovation & Market Responsiveness: Launch 2-3 new products or product enhancements annually with measurable market uptake and customer adoption.
6. Market Penetration & Geographic Expansion: Expand Gold Loans presence to new geographies, customer segments, and distribution channels as per strategy.
7. Strategic Influence & Organizational Impact: Deliver actionable strategic recommendations that influence MD/Board-level decisions; drive strategic alignment.
8. Team Development & Capability Building: Build a high-performing strategic team with clear career progression; develop next generation of leadership.
9. Stakeholder Satisfaction: Maintain strong relationships with investors, board members, regulators, and internal stakeholders.
10. Competitive Positioning: Establish Capri as a thought leader in gold lending with superior market understanding and innovation.
- Business Strategy Development: Ability to develop comprehensive 3-5 year strategies backed by rigorous market analysis and financial projections.
- Market Intelligence & Competitive Analysis: Strong ability to gather, analyze, and interpret market data, competitor moves, and industry trends.
- Systems Thinking: Understanding interconnectedness of business functions, regulatory environment, and stakeholder dynamics; ability to optimize across enterprise.
- Long-term Vision: Ability to balance short-term performance with long-term strategic positioning and value creation.
- Problem-Solving: Structured, hypothesis-driven approach to complex problem definition and solution development.
- Data-Driven Decision-Making: Reliance on data and analytics; comfort with ambiguity and incomplete information.
- Communication & Influence: Ability to simplify complex ideas, persuade C-suite and board-level stakeholders, and drive alignment.
- Research & Analysis: Capability to conduct deep research, synthesize information, and draw actionable insights.
- Execution Excellence: Converting strategy into actionable plans with clear accountability and measurable outcomes.
- Stakeholder Management: Building and maintaining relationships across organizational levels, external partners, and investor base.
- Adaptability & Resilience: Thriving in fast-paced, complex, dynamic environment; comfortable with change, ambiguity, and strategic pivots.
- Ownership Mentality: Taking accountability for outcomes despite obstacles; driving results and organizational success.
- Strategic thinkers are valued and empowered to drive transformational change.
- Continuous learning and professional development are encouraged through structured L&D programs and executive coaching.
- Diversity of thought and inclusive leadership are cornerstones of organizational culture.
- Performance is rewarded transparently with career acceleration opportunities for proven high performers.
- Entrepreneurial mindset and ownership mentality are celebrated.
- Build and scale the Gold Loans business from enterprise strategy perspective.
- Influence business direction and strategy at the highest levels (MD office and Senior Leadership).
- Lead transformational initiatives using cutting-edge analytics, technology, and business innovation.
- Develop a team and create organizational legacy in gold lending space.
- Grow into Chief Business Officer, Chief Strategy Officer, or other C-suite roles within 3-5 years.
- Shape the future of gold lending in India as an industry thought leader.
- Work on high-impact projects with direct investor and board visibility.
- Indian gold lending market is one of the fastest-growing segments in retail lending.
- Secured nature of gold lending provides superior risk management compared to unsecured lending.
- Growing digitalization and technology adoption creating opportunities for innovation.
- Regulatory framework provides clear guidelines with RBI oversight.
- Core product: Loans against gold collateral across tenure, ticket size, and customer segments.
- Distribution: Branch network across 22+ states with omnichannel presence.
- Technology: Advancing digital onboarding, credit assessment, and collateral management.
- Target: Fastest-growing gold lending player in India with superior unit economics.
- National expansion and market penetration in tier-2/tier-3 towns
- Digital transformation and seamless customer experience
- Product innovation for emerging segments and use cases
- Operational excellence and cost optimization
- Risk management and portfolio quality
- Organizational capability building for scale
Capri Global Capital (CGCL)
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