Company Description Manipal Fintech is India’s most trusted gold loans brand, having disbursed over INR 16,000 crore in loans to more than 400,000 customers across the country. The organization focuses on delivering secure, transparent, and customer-centric financial solutions to individuals and businesses.

With a strong presence across the length and breadth of India, Manipal Fintech combines technology-driven processes with deep domain expertise in retail lending. The company is committed to responsible lending practices and building long-term relationships through reliable and accessible financial services.

Role Description The Business Head – Retail Loans will lead the strategy, growth, and profitability of the retail loans portfolio, with a primary focus on gold loans and other retail lending products. This full-time, on-site role based in Gurugram includes overseeing product design, pricing, and policy frameworks, as well as driving customer acquisition and retention through effective sales and marketing initiatives.

The role involves monitoring portfolio performance, managing credit risk, and ensuring adherence to regulatory and internal compliance standards.

The Business

Head will collaborate with cross-functional teams such as operations, risk, technology, and marketing to optimize processes, enhance customer experience, and support digital initiatives.

Responsibilities also include building and mentoring high-performing teams, setting performance goals, and preparing regular business reports and forecasts for senior leadership.

Qualifications

- Strong experience in retail lending, preferably in gold loans or secured lending, with a track record of managing large portfolios and achieving growth and profitability targets.
- Expertise in credit risk assessment, underwriting policies, and regulatory compliance within the retail financial services sector.
- Proficiency in business strategy, financial analysis, and P&L; management to support data-driven decision-making.
- Skills in sales leadership, channel management, and customer acquisition to scale retail loan products effectively.
- Ability to collaborate across functions, drive process improvements,



and leverage technology and digital tools for operational efficiency.
- Strong people management, communication, and stakeholder engagement skills, with experience in leading and developing teams.
- Bachelor’s degree in finance, business, economics, or a related field; a postgraduate degree (MBA or similar) in a relevant discipline is preferred.
- Prior experience working in NBFCs, banks, or fintech companies in India will be an added advantage.

– Retail Business Head Position:

Retail Business Head

Department: Retail Loans

Location: Gurugram / Pan India

Experience: 12–18+ years

Industry: NBFC / Banking / Financial Services Role

Summary The Retail Business Head will be responsible for building and scaling the Retail Loans business, driving revenue and portfolio growth, and leading the sales organization across geographies.

The role will own business strategy, distribution, customer acquisition, productivity, portfolio quality, and overall P&L; performance.

Key Responsibilities

- Develop and execute the overall retail lending business strategy in line with the company's growth objectives.
- Own business targets, revenue, disbursement, AUM and profitability for the Retail Loans vertical.
- Lead and manage the national/regional sales organization, including Regional Heads, Area Heads, Branch Managers and Sales teams.
- Drive expansion of the branch, DSA, DST, connector, digital and other distribution channels.
- Build strong relationships with banks, DSAs, fintechs, aggregators, corporate partners and other sourcing channels.
- Identify new markets and opportunities across Personal Loans, Business Loans, LAP and other retail lending products.
- Improve customer acquisition, conversion, ticket size, cross-sell and repeat business.
- Drive sales productivity through effective KPIs,



incentive structures, performance reviews and sales capability building.
- Work closely with Credit, Risk, Operations, Product, Technology and Collections to ensure smooth business execution.
- Ensure portfolio growth is supported by robust credit quality, compliance and risk controls.
- Monitor portfolio performance, delinquency trends and sourcing quality in partnership with Risk and Collections teams.
- Develop and implement market-specific sales strategies based on competition, customer segments and product economics.
- Own and monitor branch profitability and productivity across the retail network.
- Build a strong leadership pipeline and develop high-performing sales teams.
- Present regular business performance, forecasts and strategic plans to the senior management.

Candidate Profile • 12–18+ years of experience in Retail Lending / Retail Loans from a Bank, NBFC or Financial Services organization.
- Strong experience managing large-scale retail sales teams and multi-location business operations.
- Should have hands-on experience in PL / BL / LAP / Retail Secured & Unsecured Loans.
- Proven track record of achieving business growth, AUM, disbursement and profitability targets.
- Strong understanding of branch sales, open-market sourcing, DSA/connector channels and digital/fintech partnerships.
- Experience in building and scaling teams and distribution networks.
- Strong understanding of credit, risk, operations and collections from a business perspective.
- Excellent leadership, negotiation, stakeholder-management and communication skills.
- Strong P&L; and business ownership experience preferred.

Key Competencies Business Leadership | P&L; Ownership | Retail Lending | Sales Strategy | Distribution Expansion | Team Leadership | Customer Acquisition | Portfolio Growth | DSA/Fintech Partnerships | Risk & Portfolio Quality | Profitability Ideal candidate: A strong Retail Lending leader who has built businesses, scaled distribution and consistently delivered profitable growth in a Bank/NBFC environment.

Send your resume to [email protected]

📌 Business Head - Retail Loans (Gurugram)
🏢 Manipal Fintech
📍 Gurugram