The Retail Credit Growth Function Head will own the responsibility for retail lending growth, overseeing strategy, performance, and governance across offline sales & partnership, telemarketing, digital acquisition, and credit underwriting for all (new and repeat) customers.
This leader will be accountable for driving scalable, sustainable, and profitable loan book growth, balancing aggressive sales expansion with tight credit controls. The role requires executive-level cross-functional influence, deep lending experience, and a builder’s mindset in driving innovation, people, and execution excellence.
Responsibilities
- Define and execute the bank’s multi-channel customer acquisition strategy for retail loans aligned with growth and risk appetite.
- Own the strategic roadmap across channels, geographies, and customer segments, integrating with long-term business and digital strategy.
- Own disbursement volume, revenue contribution, portfolio quality, and cost-to-acquire metrics across all retail loan products.
- Ensure lending performance aligns with credit quality goals, portfolio health, and compliance policies.
- Oversee acquisition strategy for new geographies, ensuring GTM, infra-readiness, and disbursement outcomes in collaboration with expansion teams.
- Build and lead a high-performance team of acquisition and credit leaders; create an org design for scalability.
- Influence and collaborate with Product, Tech, Risk, Operations, and Finance at an executive level to drive shared outcomes.
- Report business performance to executive leadership and the board; drive strategic interventions as needed.
Requirements
- Experience: Minimum 10 years in retail lending or consumer credit, with experience leading acquisition and credit teams.
- Proven track record in both offline (sales force/telesales) and digital (performance marketing, funnel optimization) channels with strong disbursement outcome.
- Deep understanding of credit underwriting processes and ability to collaborate with risk and product.
- Experience in fintech or digital banking preferred; field experience in new city rollouts or branch launches is a big plus.
- Education: Bachelor’s degree in Business, Finance, Engineering, Economics, or a related discipline.
- Key Attributes: Aggressive growth mindset with sharp commercial instincts, balanced by strong credit judgment.
- Technical Proficiency: Familiarity with credit scoring models, lending workflows, and decisioning systems. Plus point for comfortable using CRM, digital acquisition platforms, also process automation and analytics.