Vice President of Lending

About the Role

We are looking for an experienced lending professional to lead and scale the lending business, with ownership of growth, P&L, portfolio quality, and operational excellence.

The role operates one level below the Business Head, with significant autonomy to drive day-to-day business while partnering with leadership on strategy, expansion, partnerships, and execution.

The ideal candidate will have strong expertise in lending, P&L management, portfolio analytics, and business scaling, with a hands-on approach to delivering sustainable growth in a fast-paced environment.

Key Responsibilities

• Business & Growth: Own business targets, revenue, profitability, AUM, and portfolio growth; drive strategic initiatives across products, markets, and channels.
• Channel Development: Build and expand sourcing channels through DSAs, dealers, distributors, fintechs, and other strategic partners.
• OEM & Strategic Partnerships: Develop and manage OEM tie-ups, institutional partnerships, and strategic alliances to create scalable business opportunities.
• End-to-End Lending: Oversee sourcing, underwriting, sanction, disbursement, portfolio management, customer servicing, and collections.
• Collections & Portfolio Quality: Drive collections, delinquency management, recoveries, and portfolio quality while maintaining sustainable credit performance.
• P&L & Financial Management: Own P&L, revenue, costs, margins, credit costs, and profitability; leverage financial and portfolio analytics for business optimization.
• Leadership & Execution: Lead cross-functional teams across sales, credit, operations, and collections; drive performance, governance, and accountability.
• Stakeholder Management: Partner with senior leadership, lenders, OEMs, financial institutions, and external stakeholders to drive business growth and strategic initiatives.

Experience & Qualification

• 10+ years of experience in lending, NBFCs, fintech, banking, or financial services.
• Experience in senior business leadership roles with proven P&L and lending portfolio ownership.
• Strong exposure to MSME/Retail, secured/unsecured lending, channel development, OEM partnerships, portfolio management, and collections.
• Proven experience in team leadership and cross-functional business management.
• Postgraduate qualification required; MBA/PGDM in Finance, Marketing, or Business Management preferred.

Required Skills & Competencies

• P&L Management & Strategic Financial Planning
• Lending Strategy, Business Growth & Target Achievement
• Portfolio Analytics, Credit & Risk Management
• Channel Development & OEM/Strategic Partnerships
• Collections & Portfolio Quality Management
• Revenue & Profitability Management
• Data-driven Decision Making & Business Analytics
• Team Leadership & Stakeholder Management
• Strong Negotiation, Execution & Governance Skills
• Hands-on approach with strong business acumen

Key Success Metrics

• Business, Disbursement & AUM Target Achievement
• Revenue, P&L & Profitability
• Portfolio Quality & Collection Efficiency
• Channel Growth & Productivity
• OEM/Strategic Partnership Development
• Customer Acquisition & Conversion
• Cost Efficiency & Team Productivity
• Sustainable Growth with Strong Risk & Compliance