The CEO must be a dynamic and principled leader with deep expertise in rural lending and financial inclusion. The role demands not only sound financial acumen and operational discipline but also a progressive vision to strengthen traditional JLG / SHG models and explore diversified, sustainable business lines such as gold loans and affordable housing finance — ensuring both profitability and purpose-driven growth
Responsibilities
- Define and execute the company’s strategic vision in line with its mission for financial inclusion
- Ensure full compliance with RBI NBFC-MFI norms and guidelines
- Lead business expansion across India.
- Monitor credit portfolio, NPAs, and operational risks
- Forge partnerships with banks, fintechs, BCs, SHG federations, and donor agencies
- Represent the company in industry forums, regulatory bodies (RBI, MFIN, Sa-Dhan), and with investors
- Develop diversified financial products and alternative lending verticals aligned with the company’s social and financial goals
Key Performance Indicators (KPIs)
Year-over-year loan portfolio growth and branch network expansionPortfolio at Risk (PAR) and NPA ratios within acceptable thresholdsOperating efficiency (OPEX to loan portfolio ratio)Customer satisfaction and social impact metricsDigital adoption rates and turnaround time improvementsEmployee engagement and leadership pipeline developmentCompliance audit scores and regulatory review outcomesKey Skills & Expertise
15+ years of experience in the microfinance sector, with at least 5 years in executive leadership, including :Leading microfinance operations across multiple statesDesigning and implementing JLG / SHG lending modelsOverseeing portfolio quality and recovery strategiesHandling rural banking and priority sector lendingDeveloping agent-based models and rural outreach frameworksProven success in NBFC-MFI operations (especially in rural / semi-urban markets)Deep understanding of microfinance regulatory, credit, and risk governanceStrong understanding of the past and present JLG / SHG models, and clear foresight into future microfinance business models based on current trends and evolving financial inclusion ecosystems.Ability to identify, evaluate, and develop safe and sound alternative business models alongside the core MFI-SHG-JLG framework — such as Gold Loans, Affordable Housing Finance, and Mortgage Loans — to ensure sustainable growth and diversification.MBA / CA / PGDM from a leading institution preferred.