NBFC – Lead, Assets

Alliance Recruitment Agency; Mumbai; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Alliance Recruitment Agency seeks a hands-on Lead – Assets to build and scale the asset franchise of an NBFC in Mumbai. You will own the end-to-end lending lifecycle from origination to recoveries, with a focus on risk-adjusted growth and profitability.

You will develop sourcing channels, establish credit policies, and build a data-driven origination engine while coordinating with Credit, Operations, Legal, Risk and Collections to ensure a solid, diversified loan book.

Qualifications

• Extensive NBFC lending experience across asset management and credit.
• Proven track record building and scaling lending portfolios.
• Strong exposure to SME, MSME, Corporate, Retail, or LAS lending.
• Hands-on understanding of the full lending lifecycle.
• Deep knowledge of underwriting, credit risk, and collections.
• Experience designing lending products and pricing frameworks.
• Excellent commercial, analytical, and stakeholder management skills.
• Ability to build an asset franchise from 0 to scale.

Responsibilities

• Own end-to-end lending lifecycle from origination to recoveries.
• Drive lending across SME, MSME, Corporate, Retail, and LAS.
• Develop sourcing channels: OEMs, DSAs, partners, and direct clients.
• Design credit policies, underwriting standards, and risk scorecards.
• Build data-driven origination and portfolio analytics.
• Collaborate with Credit, Operations, Legal, Risk, and Collections.
• Scale from 0 to a diversified, multi‑product asset book.

Skills

NBFC lending

Asset management

Business development

Underwriting

Credit risk

Portfolio management

Job description

Function: Assets / Lending

About the Role

We are looking for a hands‑on Lead – Assets to build, scale, and manage the complete asset franchise of the NBFC.

The role will own the end‑to‑end lending lifecycle, including origination, credit, underwriting, portfolio management, collections, and recoveries, with a focus on building a high‑quality, profitable, and diversified loan book while maintaining disciplined risk management.

Key Responsibilities

Lending & Execution

• Drive loan origination across SME, MSME, Corporate, Retail, and Loan Against Securities (LAS) segments.
• Develop and manage sourcing channels through:
• OEMs and dealers
• DSAs and channel partners
• Direct client relationships
• Strategic partnerships
• Lead the complete credit lifecycle from customer acquisition and appraisal to underwriting, documentation, disbursement, and post‑disbursement monitoring.
• Disbursements
• Collections
• PAR
• NPAs
• Recoveries
• Work closely with Credit, Operations, Legal, Risk, and Collections teams to ensure efficient execution and customer servicing.

Strategy – Build the Asset Franchise (0 Scale)

• Develop the end‑to‑end asset growth strategy aligned with the NBFC's business plans.
• Identify high‑potential customer segments, industries, and lending opportunities.
• Design scalable and commercially viable lending products.
• Establish robust credit policies, underwriting standards, pricing frameworks, and risk scorecards.
• Build a repeatable and data‑driven origination engine.
• Establish strong portfolio analytics, monitoring, and governance mechanisms.
• Support the transition from a single‑product lending platform to a diversified, multi‑product asset business.

Key Requirements

• Strong experience in NBFC lending, asset management, credit, and business development.
• Proven experience building and scaling lending businesses and loan portfolios.
• Strong exposure to SME, MSME, Corporate, Retail and/or LAS lending.
• Hands‑on understanding of the complete lending and credit lifecycle.
• Strong knowledge of underwriting, credit risk, portfolio management, collections, and recoveries.
• Experience developing lending products, sourcing channels, credit policies, and pricing frameworks.
• Strong commercial, analytical, leadership, and stakeholder‑management skills.
• Ability to build an asset franchise from 0 to scale while maintaining asset quality and profitability.