Job Description
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
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
💡 Quick Summary
Seeking a career-building opportunity? The Lead Partnership |Unsecured Business | D2C For an NBFC position is now open for candidates interested in the MIS Executive sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in MIS Executive is a plus.
