The organization is a well-capitalized, technology-led lending platform with a strong presence in the consumer finance space. Backed by reputed long-term institutional investors, it operates at meaningful scale with a growing digital-first loan book and a nationwide footprint.

The Business Head will assume end-to-end ownership of the Direct-to-Consumer (D2C) lending vertical and the overall Portfolio Growth charter. This is a senior leadership role with complete P&L responsibility, focused on building a high-velocity, digital-first origination engine while maximizing customer lifetime value through structured cross-sell and up-sell frameworks.

The role reports directly to the Chief Business Officer and plays a pivotal role in scaling the organization’s direct digital business.

Key Responsibilities

1. Zero-to-One Business Growth

Act as a business incubator to conceptualize, launch, and scale high-impact digital lending and fee-income products.

Own the complete “0-to-1” journey for new business lines, from ideation to execution and scale-up.

1. Customer Lifecycle & Portfolio Growth

Institutionalize a data-driven cross-sell and up-sell framework to maximize customer lifetime value.

Leverage predictive analytics and behavioral triggers to identify high-propensity customers for multi-product penetration.

1. Direct Sales & Distribution

Design and optimize seamless, end-to-end digital acquisition journeys.

Oversee centralized high-intent sales operations, including inside sales and call center functions.

Partner closely with Performance Marketing teams to scale direct traffic, improve funnel efficiency, and drive loan conversion.

1. Product, Risk & Policy Collaboration

Work closely with Credit and Risk teams to refine underwriting frameworks for the D2C segment.

Influence product design and pricing to ensure market competitiveness, informed by real-time benchmarking and customer insights.

1. Customer Experience & Ownership

Lead the charter for building deep customer relationships through advanced segmentation and personalized engagement strategies.

Own the Net Promoter Score (NPS) mandate and ensure consistent delivery of a superior customer experience.

1. Team & Capability Building

Build, mentor, and lead high-performing, cross-functional teams across Product, Analytics, Marketing, and Sales.

Foster strong collaboration with internal stakeholders to drive seamless execution, operational efficiency, and continuous process improvement.

Strong analytical orientation with a proven ability to build and scale businesses.

Experience: 12–15 years of progressive leadership experience in Retail Lending, Fintech, or Consumer Banking, with a demonstrated track record of scaling a direct digital business.

Technical Proficiency: Solid understanding of digital marketing funnels, CRM platforms, and the application of data science in portfolio and lifecycle management.

Commercial Acumen: Proven expertise in managing P&Ls, customer acquisition economics, and credit risk–reward trade-offs.

Leadership: Strong stakeholder management capabilities with experience leading large, multi-functional teams across Sales, Operations, and Product.

Education: MBA or equivalent post-graduate qualification from a top-tier business school.

A rare opportunity to own a zero-to-one, P&L-led digital lending mandate with full autonomy to build products, scale distribution, and shape portfolio growth at a high-velocity consumer finance platform.