Website Antrors HR Solutions
Title : Head of Retail Business ( Retail Lending Operations) – NBFC / Financial Services
Location : Gurgaon
Role Overview :
– Seeking a Head of Retail Business to build and scale its EV-focused Retail Lending Business.
– The role will lead the development and growth of financing solutions for 3W EV driver-cum-operator (DCO) segments across Tier I and II markets, with expansion into 2W and 4W EV DCO financing in Tier I markets over time.
– This is a P&L leadership role requiring strong capabilities across product , credit, distribution, partnerships, funding structures, and risk systems.
Key Responsibilities :
Business Leadership & P&L Ownership :
– Own and scale the Retail EV Financing business P&L.
– Build and execute the growth strategy for 3W EV driver-cum-operator financing.
– Develop roadmap for expansion into 2W and 4W EV DCO financing.
– Drive business targets, portfolio growth, and profitability.
Product & Customer Strategy :
– Design customer-centric credit products tailored to driver-cum-operators and mobility entrepreneurs.
– Structure innovative financing models including: Asset financing, Driver income-linked lending models, Partner-led financing programs
– Ensure products remain competitive, scalable, and compliant.
Distribution & Go-To-Market :
– Define and execute go-to-market strategy across priority markets.
– Build distribution through: OEM partnerships, Dealer ecosystems, Fleet operators, Mobility platforms
– Establish strong presence across Tier II and Tier III EV markets.
Partnerships & Funding :
– Build institutional partnerships with banks, NBFCs, and financial institutions.
– Structure and scale off-balance sheet lending models, including: Co-lending programs, FLDG-backed structures, Portfolio assignments / buyouts
– Optimize capital efficiency and cost of funds.
Risk, Credit & Technology :
– Work closely with credit and analytics teams to build scalable underwriting frameworks.
– Develop data-driven risk and decisioning systems tailored to EV DCO segments.
– Partner with technology teams to strengthen loan origination, underwriting, and portfolio monitoring systems.
Compliance & Governance :
– Ensure adherence to all NBFC regulatory requirements, including KYC, AML, and customer onboarding norms.
– Maintain strong internal controls across the lending lifecycle.
Educational Qualification / Work Experience / Skills :
– PG/MBA/Graduate with min. 12+ years of experience in Retail Lending Businesses.
– Strong background in secured lending, preferably vehicle finance or asset-backed lending.
– Experience working with emerging customer segments/mobility ecosystems is preferred.
Functional Expertise
Deep understanding of :
– Retail credit and underwriting
– Risk frameworks and portfolio management
– Retail distribution and ecosystem partnerships
– Institutional funding partnerships
Leadership :
– Proven track record of building and scaling retail lending businesses.
– Strong P&L management capability.
– Ability to operate in high-growth, entrepreneurial environments
– Strong ability to work cross-functionally across product, risk, partnerships, and technology teams.
To apply for this job please visit www.iimjobs.com.
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