Chief Business Officer – Secured MSME Lending – BFSI See & Recruit (India)

The Corporate Institute; Mumbai; On-site; INR 3,500,000 - 5,200,000; Full time

Job summary

Red Fort Capital is seeking a senior leader to drive capital access and secured lending growth across MSME finance. You will deepen lender relationships, expand borrowing lines, and shape a lender access plan with the CEO, balancing ALM, compliance, and discipline.

You will also build and manage sourcing channels, scale DSA networks, work with credit teams to maintain risk appetite, and lead a high-performing team through end-to-end loan lifecycle improvements and performance metrics.

Qualifications

• 12 - 20+ years of experience in NBFCs, banks, secured MSME lending, LAP, business loans, SME finance, structured lending, equipment finance, receivable finance, or related credit businesses.
• Prior NBFC experience is mandatory; candidates with only unsecured lending or pure fintech distribution experience should not be prioritized.
• Proven experience scaling secured loan origination while maintaining portfolio quality.
• Strong existing relationships with banks, NBFCs, family offices, NCD investors, private credit funds, co-lending partners, and institutional debt providers.
• Demonstrated ability to raise debt capital, increase borrowing lines, or support liability‑side expansion for an NBFC, SME lender, LAP lender, housing finance company, or secured lending platform.
• Experience managing DSAs, connectors, branches, sales teams, regional lending operations, national sourcing networks, or partner ecosystems.
• Strong understanding of collateral‑backed lending, LAP‑style structures, business cash flows, borrower assessment, legal/valuation process, DSCR, ALM, covenants, and lender reporting.
• Experience working with lender credit teams, rating agencies, trustees, NCD investors, private credit diligence teams, and institutional reporting processes preferred.

Responsibilities

• Capital Access: build lender relationships with banks, NBFCs, and other debt providers.
• Loan Origination: drive higher secured MSME loan applications and manage sourcing channels.
• DSA/Partner Network: professionalize and scale DSA ecosystem and incentives.
• Credit-aligned BD: ensure growth aligns with risk appetite and underwriting standards.
• Loan Lifecycle: oversee sourcing to disbursal and streamline processes.
• Team Leadership: hire and lead regional sales and sourcing teams.

Job description

Key Responsibilities:

1. Capital Access, Lender Relationships, and Leverage Growth:

• Build and deepen relationships with banks, NBFCs, financial institutions, family offices, NCD investors, private credit investors, co-lending partners, and other debt capital providers.
• Create and execute a 180-day lender access plan designed to double leverage capacity while preserving prudent ALM, capital adequacy, covenant discipline, and regulatory compliance.
• Work directly with the CEO to expand borrowing lines, diversify liabilities, and improve the company’s cost and availability of debt capital.
• Present Red Fort Capital’s secured lending model, portfolio performance, collateral cover, underwriting discipline, promoter strength, credit rating, and growth plan to lenders and investors.
• Support lender due diligence, data room preparation, lender presentations, portfolio reporting, rating agency interactions, trustee processes, and credit committee discussions.
• Expand access to term loans, NCDs, private debt, co-lending arrangements, BC partnerships, securitization/assignment opportunities, and other suitable liability-side instruments.
• Ensure asset growth is matched by capital availability, lender confidence, and balance sheet capacity.

2. Loan Origination and Business Growth:

• Drive a step-change increase in qualified secured MSME loan application flow.
• Build and manage high-quality sourcing channels across DSAs, connectors, CAs, brokers, banks, NBFCs, industry networks, and direct borrower channels.
• Develop regional and sector-specific origination strategies for secured business loans, LAP-style structures, receivable finance, and working‑capital requirements.
• Improve conversion from lead to sanction to disbursal while maintaining strict credit filters.
• Build MIS and dashboards to track sourcing productivity, channel quality, borrower quality, approval ratios, rejection reasons, and disbursal outcomes.

3. DSA and Partner Network Expansion:

• Professionalize and scale a high-performing DSA / referral partner ecosystem.
• Train sourcing partners on credit box, collateral requirements, documentation standards, borrower eligibility, and deal-quality expectations.
• Create incentive structures that reward quality, documentation discipline, and repeatable performance rather than raw lead volume.
• Remove low-quality sourcing channels that create operational noise, weak borrower pipelines, or credit-risk leakage.

4. Credit‑Aligned Business Development:

• Work closely with credit and underwriting teams to ensure growth remains aligned with Red Fort’s risk appetite.
• Ensure originated deals meet standards for borrower credibility, repayment ability, collateral quality, title clarity, documentation, banking discipline, GST/ITR records, DSCR, and enforceability.
• Avoid unsecured, weak-collateral, poor-cashflow, low-integrity, or purely volume-driven deals.
• Improve sourcing discipline so the business receives better‑quality applications, not merely more applications.

5. Loan Lifecycle and Operating Execution:

• Oversee business operations from sourcing to disbursal.
• Reduce bottlenecks across documentation, credit review, legal, valuation, sanction, compliance, escrow, and disbursal.
• Coordinate effectively with credit, legal, operations, accounts, compliance, collections, and technology teams. Drive process discipline, faster turnaround time, and cleaner handoffs across the loan lifecycle.

6. Team Leadership:

• Build and lead a performance‑oriented business development and sourcing team.
• Hire, train, manage, and motivate regional sales, sourcing, channel, and relationship personnel.
• Create accountability around targets, borrower quality, documentation standards, lender relationships, and disbursal outcomes.
• Establish a culture of integrity, discipline, urgency, ownership, and measurable execution.

Candidate Profile: Required Experience:

• 12 - 20+ years of experience in NBFCs, banks, secured MSME lending, LAP, business loans, SME finance, structured lending, equipment finance, receivable finance, or related credit businesses.
• Prior NBFC experience is mandatory; candidates with only unsecured lending or pure fintech distribution experience should not be prioritized.
• Proven experience scaling secured loan origination while maintaining portfolio quality.
• Strong existing relationships with banks, NBFCs, family offices, NCD investors, private credit funds, co-lending partners, and institutional debt providers.
• Demonstrated ability to raise debt capital, increase borrowing lines, or support liability‑side expansion for an NBFC, SME lender, LAP lender, housing finance company, or secured lending platform.
• Experience managing DSAs, connectors, branches, sales teams, regional lending operations, national sourcing networks, or partner ecosystems.
• Strong understanding of collateral‑backed lending, LAP‑style structures, business cash flows, borrower assessment, legal/valuation process, DSCR, ALM, covenants, and lender reporting.
• Experience working with lender credit teams, rating agencies, trustees, NCD investors, private credit diligence teams, and institutional reporting processes preferred.