Location : Kochi, Kerala

CTC-18–24 Lakhs p.a.

Experience :10+ Years Preferred

Age:40–50 Years

THE OPPORTUNITY

We are looking for an experienced lending professional to lead the development of current loan products for a growing NBFC. This is a product strategy and development role, focused on identifying market opportunities, designing lending propositions and building data-backed, commercially viable and risk-calibrated loan products.

PRODUCT AREAS

- Micro LAP / Small-Ticket LAP Loan Against Property (LAP)
- Secured & Unsecured MSME Loans Vehicle Loans Equipment / Machinery Loans

KEY RESPONSIBILITIES

- Identify new customer segments and lending opportunities; analyse existing portfolio performance and competitor products.
- Conceptualise and structure new loan products from the ground up.
- Define ticket size, LTV, tenure, pricing, eligibility, credit parameters, security and documentation.
- Build product-level financial models and quantify yield, fee income, cost of funds, credit cost, operating cost, expected losses and profitability.
- Prepare business cases and product proposals for senior management; recommend pilot markets, customer segments and product parameters.
- Monitor product performance and refine products based on actual portfolio experience.
- Work closely with Credit, Risk, Operations, Collections, Finance, Technology and Compliance teams for implementation.

WHO WE ARE LOOKING FOR





- 10+ years of experience in NBFCs / Banks / Lending Institutions, with strong exposure to MSME, LAP, Vehicle Finance and/or Asset Finance.
- Proven experience in developing, structuring or significantly modifying lending products.
- Strong understanding of credit risk, portfolio performance and lending economics, with good analytical and financial modelling capabilities.
- Ability to independently develop and present a quantified business case to senior management.
- Candidates based in or willing to relocate to Kochi preferred.

IMPORTANT

THIS IS NOT A SALES OR BUSINESS-DEVELOPMENT ROLE.

The primary responsibility is to conceptualise, structure, evaluate and launch new lending products, using market and portfolio data to create products that balance growth, risk and profitability.

Candidates with demonstrated experience in actual lending product creation / restructuring, rather than only managing an existing product or sales portfolio, will be preferred.

TO APPLY

Please share your CV along with a brief note highlighting the loan products you have personally developed, structured or significantly modified, and the impact/results of those initiatives

Email: [email protected] ,Contact: (phone hidden)

Pay: ₹1,800,000.00 - ₹2,400,000.00 per year

Benefits:

- Health insurance
- Leave encashment
- Paid sick time
- Provident Fund

Work Location: In person

📌 HEAD-LOAN PRODUCT DEVELOPMENT & STRATEGY (Kochi)
🏢 HEDGE FINANCE
📍 Kochi