Team Lead - Strategy

Job Description

Job Purpose:

Lead strategic initiatives and performance governance for the Gold Loan business, driving growth, process optimization, channel expansion, and financial performance. Act as a bridge between business, product, risk, operations, and finance teams to enable scalable and profitable growth.

1. Business Strategy & Growth

• Drive business planning, growth strategy, and market expansion for the Gold Loan vertical.

• Identify new channel opportunities (DSA, partnerships, branches, digital).

• Track disbursement trends, yields, and portfolio performance to recommend strategic interventions.

• Support pricing, customer segmentation, and product positioning decisions.

2. Performance & MIS Governance

• Develop and manage business MIS dashboards covering disbursement, LTV, yields, TAT, NPAs, and profitability.

• Monitor daily/weekly/monthly KPIs and highlight gaps with actionable insights.

• Drive data-backed decision-making for leadership reviews.

3. Channel & Distribution Strategy

• Optimize productivity of branches, DSAs, and partner channels.

• Define incentive structures and performance benchmarks.

• Support onboarding and governance of new distribution partners.

4. Financial & P&L Oversight

• Track revenue, cost metrics, and portfolio profitability.

• Support budgeting, forecasting, and variance analysis.

• Ensure alignment between growth strategy and risk-adjusted returns.

5. Cross-Functional Coordination

• Collaborate with Risk on underwriting norms and portfolio quality.

• Work with Operations to improve TAT and customer experience.

• Coordinate with Product for feature enhancements and process digitization.

6. Process Improvement & Controls

• Identify operational bottlenecks and implement process enhancements.

• Strengthen governance frameworks and internal controls.

• Drive automation initiatives for reporting and workflow efficiency.