Key Responsibilities:
1. Business Ownership & P&L
- Own and drive the end-to-end P&L of the MCA business
- Define growth strategy, revenue targets, and profitability metrics
- Monitor key business KPIs: disbursals, yield, delinquency, CAC, and ROI
2. Product & Strategy
- Define and evolve the MCA product construct (ticket size, tenure, pricing, repayment mechanisms)
- Drive transaction-led / cashflow-based underwriting models
- Work closely with Product & Tech to build scalable lending journeys
3. Partnerships & Ecosystem
- Build and manage partnerships with:
- Payment aggregators / gateways
- Banks & NBFCs (for co-lending / capital partnerships)
- Merchant platforms and ecosystems
- Drive merchant acquisition via embedded finance models
4. Risk, Underwriting & Collections
- Define credit policies and underwriting frameworks for merchant lending
- Balance growth with portfolio quality and risk control
- Work closely with risk and collections teams to manage NPAs and recoveries
5. Operations & Execution
- Set up scalable processes for:
- Merchant loan onboarding
- Loan disbursal
- Repayment tracking (daily/weekly deductions)
- Optimize TAT, approval rates, and customer experience
- Build ops capacity to handle high transaction volumes characteristic of small-ticket lending at scale
6. Compliance & Governance
- Ensure adherence to RBI guidelines and digital lending regulations
- Work with legal and compliance teams on loan structuring and agreements
7. Team Leadership
- Drive a high-performance culture with strong ownership and accountability
- This will be largely an IC role and requires high ownership and cross functional collaboration to scale business
Requirements:
- 10–15 years of experience in fintech, NBFCs, or banking
- Strong experience in:
- SME / merchant lending / unsecured lending
- MCA or cash flow-based lending models
- Proven track record of building and scaling lending businesses
- Deep understanding of:
- Merchant ecosystem and payment flows
- Credit underwriting and risk management
- Experience working with banks/NBFCs for partnerships or co-lending
- Strong business acumen with P&L ownership experience
Good to Have:
- Experience in payment companies or merchant ecosystems
- Exposure to embedded finance / platform-led lending
- Familiarity with UPI / card / POS transaction data for underwriting
