Business Head - Digital Lending Vertical - Automotive Financing

About the Role:

- We are looking for a visionary and results-driven Business Head to lead our Digital Lending vertical focused on automotive financing.

The ideal candidate will have deep expertise in building and scaling lending businesses, driving high-velocity go-to-market strategies, and managing credit risk with strong governance.

- This role requires a leader who can oversee end-to-end business operations, product strategy, analytics, and team leadership to unlock growth, efficiency, and superior portfolio quality.

Credit Risk & Underwriting Excellence:

- Design, develop, and deploy advanced Credit Risk Scoring (CRS) models to enable sharper underwriting decisions.

Process Automation & Operational Efficiency:

- Automate key workflows including vehicle valuation, credit checks, financial intelligence, and approvals to reduce turnaround time (TAT) to under 8 hours in over 60% of cases.

Product Strategy & Data Analytics:

- Lead product strategy and analytics functions to align credit, distribution, and data teams.

Own pricing, assortment, and funnel analytics to drive scale, operational efficiency, and portfolio health.

Analytics & Reporting:

- Build and manage dashboards, real-time alerts, pricing models, and funnel diagnostics that enable CXO-level decision-making and faster execution.

Inventory & Margin Optimization:

- Drive inventory churn improvements (from 29% to 45%), enhance buy-sell margins, and reduce manpower dependency by 50% through automation and algorithmic procurement techniques.

Franchise & Business Model Innovation:

- Redesign franchise models and unit economics to enable scalable expansion into adjacent segments such as affordable automotive accessories or financing.

Qualifications & Skills:

- Proven experience in leading and scaling digital lending or automotive finance businesses.

- Strong expertise in credit risk management, underwriting, and financial modeling.

- Demonstrated ability to lead large teams and drive results in fast-paced, data-driven environments.

- Expertise in process automation, workflow optimization, and product analytics.

- Excellent strategic thinking, communication, and stakeholder management skills.

- Experience in auction management, inventory optimization, and pricing strategy is a plus