RBL Bank - Business Lead - Personal Loans

Company Overview:
RBL Bank Limited is one of India's fastest-growing private sector banks, offering a comprehensive range of banking products and services across corporate, commercial, retail, and agricultural segments. Headquartered in Mumbai, the bank leverages advanced technology and a customer-centric approach to provide seamless financial solutions to millions of retail and institutional clients. With a strong emphasis on digital innovation and sustainable growth, RBL Bank has established a significant footprint across the country, consistently evolving to meet the complex demands of the modern financial landscape.
Role Overview:
The Business Lead for Personal Loans will spearhead the strategic growth and operational excellence of the bank's unsecured lending portfolio. This role involves managing the end-to-end product lifecycle, from conceptualizing innovative lending solutions to driving market penetration and optimizing profitability. You will work closely with cross-functional teams including risk, technology, marketing, and sales to ensure the product remains competitive and aligned with the bank's risk appetite. By analyzing market trends and customer behavior, you will play a pivotal role in scaling the personal loan business and enhancing the overall customer experience across digital and physical touchpoints.
Key Responsibilities:

- Formulate and execute the long-term business strategy for the personal loan vertical to drive sustainable growth and market share expansion.
- Oversee the entire product lifecycle, ensuring that product features, pricing, and distribution channels are optimized for profitability and customer acquisition.
- Collaborate with the risk management team to define and refine credit policies, ensuring a healthy portfolio quality while maintaining competitive approval rates.
- Manage relationships with key internal and external stakeholders, including fintech partners and digital aggregators, to broaden the distribution network.
- Monitor key performance indicators such as disbursement volumes, yield, cost of acquisition, and portfolio delinquency to ensure alignment with organizational targets.
- Lead and mentor high-performing teams to foster a culture of innovation, accountability, and operational efficiency across the lending business.
Required Skillset:
- Demonstrated expertise in managing unsecured retail lending portfolios with a deep understanding of credit underwriting, product pricing, and lifecycle management.
- Strong analytical capabilities to interpret complex financial data and market trends, translating them into actionable business strategies.
- Proven ability to lead cross-functional teams and influence senior stakeholders to drive consensus on critical business initiatives.
- Exceptional communication and interpersonal skills, essential for managing external partnerships and internal organizational alignment.
- A postgraduate degree in Management or Finance from a premier institute is highly preferred.
- 10 - 14 years of professional experience in the banking or financial services sector, with a specific focus on retail lending products.
- High degree of adaptability to work in a dynamic, fast-paced environment across Delhi NCR and other major metropolitan hubs.