Job Purpose: This role is responsible for leading the strategy, development, and execution of digital lending products across Two-Wheeler Loan, Used Two-Wheeler Loan, Used Car Loan and other retail credit offerings. This role blends product innovation, customer experience, risk management, and digital transformation to drive growth and profitability. Key Responsibilities: Strategic Leadership: Define and execute the digital lending roadmap aligned with business goalsDrive innovation in loan products, customer journeys, and digital platformsLead cross-functional teams across product, tech, marketing, and operationsProduct Development: Design and launch retail loan products (Two-Wheeler, Used TW, Used Car etc.
) with digital-first featuresImplement DIY and phygital (physical + digital) customer journeysLeverage data analytics and alternate credit scoring modelsCustomer Experience: Optimize onboarding, application, and servicing processes for seamless digital engagementPersonalize offerings based on customer segments and behavioral dataRisk & Compliance: Collaborate with credit and risk teams to define underwriting policiesEnsure compliance with regulatory standards and data privacy lawsChannel Management: Expand acquisition through digital, branch, DSA, and fintech partnershipsBuild embedded finance and co-lending ecosystemsPerformance & Growth: Own P&L for digital retail lending productsDesign and launch schemes (Two-Wheeler, Used TW, Used Car etc.
) with digital-first featuresDriving the business through field teamMonitor KPIs including disbursements, yield, cost of acquisition, and NPA ratiosJob Requirements: Bachelors degree in Finance, Business or Technology; MBA preferred15+ years of experience in retail lending, fintech or bankingProven track record in launching and scaling digital lending platformsStrong understanding of credit risk, data analytics, and customer behaviorLeadership experience in managing cross-functional teamsTech-savvy with a strategic mindset and customer-centric approachStrategic and analytical thinkingStrong communication and interpersonal skillsProblem-solving and decision-making skillsStrong networking and People Management skills
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