Business Head - Secured Loan

Product Description: Secured Loans Marketplace

A significant proportion of IndiaMARTs SME buyers require financing solutions secured against assets to fund their procurement, growth, or working capital needs. The Secured Loans Marketplace aims to address this by offering a diverse suite of asset-backed financial products via partnerships with banks, NBFCs, and fintech lenders.
Product Suite Includes:
Loan Against Property (LAP): Secured loans offered against residential, commercial, or industrial property to finance business expansion or operational needs.
Gold Loans: Short-term, high-speed loans secured against pledged gold, catering to urgent
liquidity requirements.
Auto Loans (Commercial Vehicles & Equipment): Financing for new or used commercial
vehicles, machinery, or industrial equipment to power SME operations.
Loan Against Securities (LAS): Loans offered by pledging mutual funds, shares, bonds, or other marketable securitiesenabling liquidity without liquidation.
Loan Against Fixed Deposit (FD): Overdrafts or term loans secured against fixed deposits,
offering low-interest funding for working capital.
Cards Against FD: Prepaid or credit card limits backed by fixed depositsideal for SMEs without formal credit history.
This digital-first marketplace integrates these offerings into IndiaMARTs buyer experience and provides curated options tailored to MSME profiles, purchase behavior, and asset ownership.

Educational Qualifications:

B.Tech/B.E ,and MBA/PGDM

Job Responsibilities:

Key Responsibilities:
Product Strategy & Roadmap: Define and own the end-to-end strategy for this marketplace, from ideation through scale-up, aligned to marketplace growth targets.
Lender & Partner Management: Establish and nurture relationships with banks, NBFCs, and
fintech lenders; negotiate commercial terms, SLAs, and co-branding agreements .
Go-to-Market & Growth: Design acquisition and distribution strategiesincluding co-branded campaigns, outbound lead gen, and channel partnershipsto drive loan volumes and market share .
Underwriting & Risk Framework: Collaborate with credit risk, analytics, and technology teams to develop bespoke underwriting policies for these products; continuously monitor portfolio performance and implement corrective actions .
P&L Ownership: Manage all financial leversinterest margins, fee structures, credit coststo deliver profitability and scale; prepare periodic financial reviews for senior leadership .
Technology & Operations: Partner with product, engineering, and operations teams to build seamless loan application flows, integrate lender APIs, and ensure compliance with KYC, AML, and regulatory requirements .
Stakeholder Coordination: Liaise with legal, compliance, finance, customer-facing teams, and external auditors to finalize SLAs, draft agreements, and maintain governance standards .
Manage communication, sales channel to drive business volumes
Responsible for market landscape, process, partners, business model, partners, tech journey etc
Liaising with lending partners ensuring smooth flow of operations, policies and expectation setting
Develop and maintain reporting & application systems and coordinate information exchange with all stakeholders

Skills Required:
Lending Partner Management , PnL , MSME Loans , Market Segmentation , Product Management , Business Loans

Candidate Attributes:

Skill Set
7-12 years of experience in digital lending, fintech product management, or NBFC/BANK credit
roles, preferably with a focus on SME or these secured loan verticals
Should have understanding of market segmentation and lender wise offerings in various
products including capital goods buyers and lender product offerings (relevant tot these
products)
Proven track record in lender P&L creation, partner revenue-share negotiation, and scaling co- lending or referral businesses
Strong analytical skills with hands-on experience in underwriting policy design, credit scoring models, and portfolio risk management.
Excellent stakeholder management and negotiation skills; ability to influence cross-functional teams and external partners.
MBA from a Tier-1 institute or equivalent; background in finance or strategy preferred.