Company Description Orange Retail Finance India Private Limited is a non-banking finance company, incorporated in 2000 and registered with the Reserve Bank of India. The company focuses on serving salaried, self-employed, and informal segment customers from middle and lower-middle income groups in semi-urban and rural markets. With a mission to reach unbanked regions, Orange Retail Finance aims to provide accessible, transparent, and tailored financial products that improve the lives of households at the base of the pyramid.

The organization is particularly committed to financing essential needs such as two-wheeler transport, addressing infrastructure gaps and supporting mobility in underserved areas. Its vision is to become the preferred neighborhood financier for every household in semi-urban and rural India through customer-centric, hassle-free lending solutions.

Role Description This is a full-time, on-site role based in the Greater Chennai Area for business leaders in Gold Loan and SME/wholesale lending. The role involves leading and scaling the Gold Loan and SME lending portfolios, including designing products, setting policies, and driving growth strategies aligned with the company’s mission and risk appetite. Daily responsibilities include overseeing branch and field operations, guiding credit underwriting, monitoring portfolio quality, and ensuring compliance with regulatory and internal standards.

The business leader will collaborate with senior management to define business plans, manage budgets, and achieve profitability and asset-quality targets.



Additional tasks include developing partnerships in target markets, mentoring teams, implementing process improvements, and using data-driven insights to strengthen customer engagement and operational efficiency.

Qualifications

- Robust expertise in gold loan and SME/wholesale lending business management, including product design, credit policy, and portfolio oversight.
- Proven experience in branch operations, field team management, and building distribution networks in semi-urban and rural markets.
- Solid understanding of risk management, regulatory compliance (including RBI guidelines), and internal control frameworks in NBFCs or similar institutions.
- Demonstrated ability in business planning, P&L; management, budgeting, and achieving growth and asset-quality targets.
- Excellent leadership, people management, and mentoring skills, with the ability to build and motivate high-performing teams.
- Strong analytical and decision-making skills, including proficiency in using data and performance metrics to guide strategy and operations.
- Effective communication and stakeholder management abilities for working with senior leadership, partners, and customers.
- Bachelor’s degree in finance, business, economics, or a related field; a postgraduate qualification (MBA or equivalent) is an advantage.
- Prior experience in retail lending for underserved segments in semi-urban or rural markets is highly preferred.
- Commitment to ethical, transparent practices and customer-centric financial solutions

📌 Gold loan and SME / wholesale lending business leaders (Chennai)
🏢 Orange Retail Finance India Private
📍 Chennai