Lead Partnership -Unsecured Business - D2C For an NBFC

Roles and Responsibilities

Job Context

Key Aspects :

o The Direct Unsecured-Self Employed product line caters to funding short term and medium term

working capital needs of individuals , businesses, professionals, via a suite of customized short and

long tenured products, without any security / collateral.

o Offering comprises Unsecured loans self employed individuals / non-individual entities /

professionals, with end use of funds (working capital requirement, business expansion etc.) to be

ascertained during the loan appraisal process

o The business is highly retail in nature, characterized by high transaction volumes, smaller ticket

sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending

products)

o Given the unsecured nature of loans disbursed, the business also entails stringent controls and

monitoring to ensure portfolio health and quality at all times

o While unit of sizing up the business is its loan book size, profitability and minimized delinquency

are key business objectives.

o Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be

offered to customers

o Understanding of product market characteristics such as referral relationship management, region

specific occupations / trade, local financial preferences and practices are important to gain competitive

advantage while structuring loans and identifying leads.

o The Relationship Manager is responsible for operationalizing business transactions and liaises

with end customers in his / her area to maximize disbursals, profit, growth & customer service

objectives.

o Key Challenges

o To deliver on operational plan in the assigned coverage area in a differentiated manner

considering local factors, market dynamics and consumer preferences, that can withstand

competitive pressures on the ground

o To meet business volume / value targets while keeping abreast with and overcoming competitor

product offerings and customer schemes