Head - Lending Operations - NBFC

Head of Lending Location: Mumbai Experience: 13-18 Years About the Role: We are looking for an experienced and commercially driven Head of Lending to lead and scale the lending business for a fast-growing NBFC. The role will be responsible for driving portfolio growth, underwriting strategy, risk-adjusted profitability, product expansion, and overall lending operations across secured and/or unsecured products. The ideal candidate should bring strong experience across credit, lending strategy, portfolio management, and team leadership within NBFCs, fintechs, banks, or digital lending organizations. Key Responsibilities: - Lead end-to-end lending operations including sourcing, underwriting, disbursement, portfolio monitoring, and collections oversight. - Drive growth of lending portfolios across retail, SME, consumer, or business lending segments. - Develop and execute lending strategies aligned with business and risk objectives. - Work closely with Risk, Credit, Collections, Product, Analytics, and Compliance teams to ensure sustainable portfolio performance. - Design and optimize credit policies, underwriting frameworks, and approval processes. - Monitor portfolio health including delinquency trends, NPAs, collections efficiency, and profitability metrics. - Build scalable lending processes and improve operational efficiency through automation and digital initiatives. - Evaluate new lending opportunities, partnerships, channels, and market expansion strategies. - Ensure compliance with RBI regulations and internal governance frameworks. - Present portfolio insights, growth plans, and risk metrics to senior leadership and stakeholders. - Build and lead high-performing lending and credit teams. Desired Candidate Profile: - 13-18 years of experience within NBFCs, banks, fintechs, or lending-focused financial institutions. - Strong understanding of retail lending, SME lending, consumer finance, or secured/unsecured lending products. - Proven experience managing large lending portfolios and driving business growth. - Strong exposure to underwriting, credit policy, portfolio analytics, and risk management. - Familiarity with RBI guidelines and regulatory requirements applicable to NBFCs. - Experience working in high-growth and fast-paced environments preferred. - Strong stakeholder management and leadership capabilities. - Excellent analytical, commercial, and decision-making skills. .