Business Head - Lending (MCA)

Key Responsibilities:1. Business Ownership & P&LOwn and drive the end-to-end P&L of the MCA businessDefine growth strategy, revenue targets, and profitability metricsMonitor key business KPIs: disbursals, yield, delinquency, CAC, and ROI2. Product & StrategyDefine and evolve the MCA product construct (ticket size, tenure, pricing, repayment mechanisms)Drive transaction-led / cashflow-based underwriting modelsWork closely with Product & Tech to build scalable lending journeys3. Partnerships & EcosystemBuild and manage partnerships with:Payment aggregators / gatewaysBanks & NBFCs (for co-lending / capital partnerships)Merchant platforms and ecosystemsDrive merchant acquisition via embedded finance models4. Risk, Underwriting & CollectionsDefine credit policies and underwriting frameworks for merchant lendingBalance growth with portfolio quality and risk controlWork closely with risk and collections teams to manage NPAs and recoveries5. Operations & ExecutionSet up scalable processes for:Merchant loan onboardingLoan disbursalRepayment tracking (daily/weekly deductions)Optimize TAT, approval rates, and customer experienceBuild ops capacity to handle high transaction volumes characteristic of small-ticket lending at scale6. Compliance & GovernanceEnsure adherence to RBI guidelines and digital lending regulationsWork with legal and compliance teams on loan structuring and agreements7. Team LeadershipDrive a high-performance culture with strong ownership and accountabilityThis will be largely an IC role and requires high ownership and cross functional collaboration to scale businessRequirements:10–15 years of experience in fintech, NBFCs, or bankingStrong experience in:SME / merchant lending / unsecured lendingMCA or cash flow-based lending modelsProven track record of building and scaling lending businessesDeep understanding of:Merchant ecosystem and payment flowsCredit underwriting and risk managementExperience working with banks/NBFCs for partnerships or co-lendingStrong business acumen with P&L ownership experienceGood to Have:Experience in payment companies or merchant ecosystemsExposure to embedded finance / platform-led lendingFamiliarity with UPI / card / POS transaction data for underwriting

Apply Now