Head - Unsecured Loan - Bank/NBFC (15-25 yrs)

The Head - Unsecured Loans will be responsible for owning and driving the end-to-end strategy, execution, and performance of the unsecured lending portfolio, including personal loans, business loans, and any emerging unsecured products. This role combines product innovation, data-led decision-making, risk optimization, and leadership excellence.

Key Responsibilities

Business Strategy & Growth:

- Define the roadmap and strategy for unsecured lending across personal loans, business loans, and new-age credit products.

- Build scalable and sustainable sourcing models across digital, branch, and partnership-led channels.

P&L Management:

- Own the business P&L including disbursements, yield, cost of acquisition, cost of funds, and portfolio quality.

- Optimize unit economics and drive bottom-line growth.

Product Development & Innovation:

- Design competitive unsecured loan products for salaried, self-employed, and micro-entrepreneurs.

- Leverage alternate data, analytics, and technology to build differentiated offerings and improve customer experience.

Credit & Risk Management:

- Partner with credit and risk teams to define underwriting policies, credit scorecards, and customer segmentation.

- Implement robust fraud prevention, collections, and NPA control strategies.

Technology & Digital Transformation:

- Drive digital sourcing, e-KYC, real-time credit decisioning, and end-to-end customer journeys.

- Champion innovation in customer onboarding, loan servicing, and engagement.

Distribution & Channel Management:

- Expand and manage acquisition through digital, DSA, fintech, and branch-led channels.

- Build co-lending, embedded finance, and partnership ecosystems.

Team Leadership:

- Lead a high-performing cross-functional team across product, analytics, sales, and operations.

- Promote a culture of agility, ownership, and high performance.

Candidate background

- 15+ of relevant experience in unsecured lending in Banks or NBFCs

- Deep understanding of unsecured credit products, customer behavior, and risk metrics.

- Demonstrated success in scaling business lines and leading large teams.

- Tech-savvy and data-driven approach with a strong business acumen.

- MBA or equivalent post-graduate degree from a reputed institution preferred.