Head of credit - Unsecured Lending

About the Company

Our client is one of India's fastest-growing NBFCs, backed by a leading financial services conglomerate with a global presence. Operating across multiple lending verticals and leveraging a strong technology and data infrastructure, the firm has built a significant unsecured retail portfolio and is on an aggressive growth trajectory. They are known for a risk-first culture combined with a strong push towards AI-driven credit decisioning.

Roles and Responsibilities

• Champion an AI and technology-first mindset across the credit function — drive automation,
• digital decisioning, and data-driven lending at scale.
• Partner closely with the Chief Credit Officer to align credit strategy with overall business goals
• and regulatory expectations.
• Collaborate cross-functionally with Product, Technology, Collections, Legal, and Business teams
• to deliver seamless and scalable credit processes.
• Monitor portfolio health rigorously — track delinquencies, flow rates, vintage analyses, and early
• warning indicators; take proactive corrective action.
• Build, mentor, and develop a high-performing underwriting team; foster a culture of analytical
• rigour and accountability.
• Ensure full compliance with RBI guidelines and internal credit risk governance frameworks.

Skills and qualifications

• 15+ years of experience in credit, with deep and focused exposure to unsecured retail lending
• (personal loans / business loans).
• Currently heading or having recently led a credit department — with direct accountability for
• portfolio performance, policy, and team leadership.
• Demonstrated experience managing large-scale unsecured loan portfolios, with hands-on
• underwriting depth.
• Institutional background from a Bank or NBFC operating in the personal/consumer lending space.
• Candidates from fintechs or Small Finance Banks (SFBs) will not be preferred for this role.

What's On Offer

• Direct access to the CCO and meaningful influence over credit strategy at a fast-scaling NBFC.
• Full accountability for unsecured lending credit policy, underwriting standards, and portfolio outcomes at a significant scale.
• Be part of a firm on an aggressive expansion trajectory, backed by strong institutional parentage and long-term capital.