Executive Director (Retired Banker)
Gurugram (Hybrid)

The Role
We are looking for an Executive Director (Whole-Time Director) to build and lead a proposed non-deposit-taking NBFC (Investment and Credit Company, Base Layer) focused on personal loans, medical loans and other consumer credit. The role reports to the Board and is based in Gurugram on a hybrid model, with regular in-office presence for leadership, hiring and regulatory work. Compensation is competitive and commensurate with experience, and includes participation in the group's long-term incentive plan.

The Business
The NBFC will launch with unsecured personal loans and medical loans, and will later expand into other purpose-linked consumer loans and co-lending.

What You Will Do
You will be the senior-most executive and a whole-time Board member, joining before registration to shape the business plan, organisation and control environment the Reserve Bank will assess. You will write the credit policy, design the underwriting and collections engine, and own the loan book end to end, including scorecards, fraud controls, early warning and NPA recognition. You will ensure compliance with RBI norms on provisioning, capital adequacy, KYC and AML, fair practices and digital lending, act as the main contact with the regulator, and put internal audit and risk controls in place. You will also build the funding side (bank lines, institutional borrowings and NCDs), anchor asset liability management, hire and lead the credit, risk, operations and collections teams, and support the registration application.

Who You Are
You have about 15 years or more in banking or financial services,



with a substantial part in retail lending and credit underwriting. You have owned a retail loan book through at least one credit cycle, understand prudential regulation, and have handled collections and stressed accounts in a high-volume portfolio. Experience in unsecured, consumer or healthcare lending, digital lending or co-lending is a clear advantage. We welcome candidates from public sector banks (Scale III to Scale V officers with strong credit exposure), private banks, NBFCs and fintech lenders, as well as retired or soon-to-retire bankers willing to take a full time executive role. You should be a graduate, with CA, MBA in Finance, CAIIB or equivalent preferred, and must meet the RBI's fit and proper criteria, including a clean regulatory and credit record, no Section 164 disqualification under the Companies Act, 2013, and a valid DIN or eligibility for one. Above all, we want independence of judgement, high integrity, a customer-first approach, and comfort with hands-on work in a small, new institution.

Terms
This is a appointment with a Board seat, subject to shareholder approval and the RBI's fit and proper process. Candidates who prefer to start in an advisory capacity during the pre-registration phase can be accommodated.
The NBFC has not been incorporated and holds no registration from the Reserve Bank of India, and no application has been filed. This brief is not an offer of employment or an offer of securities. The appointment takes effect on incorporation, and no financial activity requiring registration will begin before a Certificate of Registration is granted.

📌 Executive Director (Retired Banker) (Gurugram)
🏢 eDataBae
📍 Gurugram