Our client is a fast-growing fintech platform focused on enabling savings and credit access for India’s large non-salaried and informal segment. With strong investor backing and early traction, the firm is now building its senior leadership team to drive the next phase of growth.

The platform operates end-to-end digitally, serves a large merchant ecosystem, and currently invests customer funds in liquid instruments. Lending is a key monetisation lever and a strategic priority for the business.

This is a foundational leadership role responsible for building and scaling the lending vertical from the ground up. The Head – Lending will own lending strategy, monetisation, credit risk, partnerships, and execution, while eventually leading the transition from partner-led lending to lending on the company’s own balance sheet.

This role requires a strong builder mindset, deep lending expertise, and the ability to balance ambition with disciplined execution.

Key Responsibilities

Own the lending P&L and define the end-to-end lending strategy.

Build scalable small-ticket loan products (₹20–30K range) with daily EMI structures.

Drive monetisation while ensuring strong unit economics and risk controls.

Design and oversee credit policies, underwriting frameworks, collections, and risk management.

Work closely with product, tech, and data teams to deliver fully digital lending journeys.

Lead partnerships with NBFCs and banks for off-book lending, including commercial structuring and governance.

Plan and execute the transition from partner balance sheets to own-book lending over time.

Build, mentor, and lead a high-performing lending team.

Act as the internal thought leader on credit, lending, and regulatory considerations.

10–15+ years of experience in digital lending, fintech, NBFCs, or consumer/merchant credit platforms.

Proven experience building and scaling lending businesses, preferably in small-ticket, high-frequency loan products.

Strong exposure to lending for informal, semi-formal, or underbanked segments.

Preferred Background

Former founders or early leaders who have built lending verticals from scratch.

Experience at large fintech or digital lending platforms with strong credit DNA.

Hands-on experience working with NBFCs and banks for lending partnerships.

Skill Set

Deep understanding of credit risk, underwriting, collections, and lending economics.

Strong product orientation with the ability to work closely with tech and data teams.

Commercially sharp with a balance of growth and risk discipline.

Mindset

Builder-first, execution-oriented, and comfortable operating in high-ambiguity environments.

Aspirational yet rational; capable of thinking long-term while delivering near-term results.

Opportunity to build a lending business at scale from Day 0.

High ownership and direct impact on company monetisation and growth.

Backed by strong investors with capital in place.

Meaningful opportunity to expand credit access for India’s non-salaried population.