Job Title

Chief Business Officer – Secured MSME Rural LoansLocation: NagpurProduct Overview:● Loan Product: Secured MSME Rural loans● Security: Self-occupied residential property● Ticket Size: ₹2 to ₹20 Lakhs, Interest Rate: ~22%● Customer Profile: Primarily undocumented income profiles (no banking or ITRrecords); income assessment conducted through field visits and surrogate creditmethods (e.g., household cash flow, utility bills, GST data, etc.)● Target Geography: Tier 2/3/4 cities in Maharashtra, Chhattisgarh, Odisha,Telangana, Madhya Pradesh, Jharkhand.(MCOTMPJ).Key Responsibilities:● Own and execute the go-to-market strategy for the Secured MSME lending product● Build the business from scratch including sourcing, credit underwriting, operations,and collections● Design and implement surrogate credit assessment frameworks for informalcustomer segments● Recruit, train, and manage high-performing distribution and credit teams● Establish branch and feet-on-street model for deep market penetration● Drive growth to ₹2000 Cr AUM with a focus on portfolio quality and profitability● Ensure strong governance, compliance, and risk controls across the credit lifecycle● Coordinate with cross-functional teams to create customer-centric lending journeys.Qualifications & Experience:● 12+ years of experience in MSME or secured lending space, with deep exposure tocredit underwriting, sales, and collections.● Proven track record of scaling a lending business to ₹2000 Cr AUM or more● Strong understanding of lending to informal/undocumented customer segments.● Past experience in any/all of the following states is mandatory: MCOTMPJ. Must bewilling to travel to Tier 2 - 4 towns of these states.● Proficiency or working knowledge of local/vernacular languages in these regionswill be considered a strong advantage.