Ujjiva Small Finance Bank - Lead - Assets Strategy

Role Purpose & Objective:

- Support creation and periodic modification of the bank's medium- to long-term asset strategy, ensuring seamless translation of strategic objectives into actionable business plans and measurable outcomes across all business verticals.

- Identify, plan, and support execution of strategic initiatives that drive sustainable asset product growth, profitability, risk alignment, and productivity across channels in alignment with the organizational vision and regulatory requirements.

- Work closely with business teams to ensure envisioned outcomes of identified initiatives are achieved within desired timelines.

- Partner with the leadership team to address market dynamics, emerging trends, and evolving customer needs.

- Monitor and report on key performance indicators (KPIs) to measure the success of strategic initiatives.

- Focus on portfolio growth, diversification, and achieving scale across lending products.

Key Responsibilities:

- Collaborate with product, risk, analytics, and branch teams to design innovative lending products and schemes.

- Monitor portfolio performance including loan disbursement trends, NPA levels, yield optimization, and profitability, and implement corrective actions.

- Prepare business cases, reports, and presentations for senior management and board on asset strategy initiatives.

- Lead cross-functional projects focused on process optimization, digital lending, and operational excellence.

- Conduct market research, competitor benchmarking, and industry trend analysis to inform strategic decisions.

- Ensure regulatory compliance and alignment with internal credit policies across all portfolios.

- Mentor and guide team members on asset strategy, analytics, and reporting.

Desired candidate profile:

Qualification: Master's degree in Business Administration (MBA) or equivalent qualification from reputed institution with specialization in Strategy, Finance, or Banking. Certifications in Strategic Planning, Digital Transformation or Business Analytics will be advantageous