Product Strategy & Roadmap

Define the product roadmap for all four MSME product lines
Conduct competitive benchmarking against NBFCs, PSU banks, and fintechs
Identify white spaces in the MSME credit market and build business cases for new product variants or customer segments
Drive digital-first product design: API integrations, workflow automation, borrower self-service portals, and bureau-embedded decisioning.

P&L Ownership & Business Performance

Own disbursement volumes, AUM targets, yield, net interest margins, and OPEX-to-AUM ratios across all product lines
Prepare and present monthly MIS, portfolio dashboards, and board-level business reviews
Drive revenue growth through pricing optimisation, cross-sell strategies, and portfolio deepening with existing borrowers
Identify cost-efficiency levers in sourcing, processing, and servicing to improve cost-to-income ratios.

Credit Policy & Risk Partnership

Co-own credit policies, underwriting guidelines, and deviation matrices
Lead product-level portfolio reviews; define and implement corrective actions for segments showing stress
Embed early warning signals (EWS) and dynamic risk controls into product eligibility frameworks
Ensure compliance with RBI MSME lending norms, priority sector guidelines, FLDG caps, and co-lending master directions.

Channel & Distribution

Build and manage a multi-channel origination engine: direct sales teams, DSAs, digital aggregators, and embedded finance partnerships
Define channel-specific product variants and incentive structures; monitor channel quality metrics and portfolio behaviour by source
Develop co-lending and BC partnerships; support due diligence and programme structuring with partner banks.

Technology & Digital Transformation

Partner with the technology team to digitise the end-to-end lending journey: from lead generation and underwriting to disbursement and collections nudges
Drive adoption of alternate data sources (GST, banking analytics, utility data, social data) in underwriting models
Lead digital SCF product development with API-based anchor integration, real-time invoice discounting, and automated collections.

Stakeholder Management & Team Leadership

Lead and mentor a team of Product Managers, Business Analysts, and Segment Leads across UBL, LAP, EPM, and SCF
Collaborate with Sales, Risk, Operations, Technology, Legal, Compliance, and Treasury to drive execution
Represent the MSME product portfolio to investors, rating agencies, co-lending partners, and board-level committees.
15+ years of experience in MSME / SME lending with significant product ownership exposure
Proven P&L ownership track record across at least 2 of the 4 product lines (UBL / LAP / EPM / SCF).

One of the fastest growing Fintechs in India.

To be discussed

MSME Product Head will own the end-to-end product life cycle for Unsecured Business Loans (UBL), Loan Against Property (LAP), Equipment & Project Machinery (EPM) financing, and Supply Chain Finance (SCF)

MSME Product Head - Delhi NCR