1. Strategy and Planning
● Develop and execute comprehensive distribution strategies for Off-book Personal Loans, Credit Cards, and Digital Gold products.
● Identify and create strategic partnerships with external channels, including banks, fintech platforms, agents, and other financial institutions, to drive customer acquisition.
● Monitor market trends and competitor activity to identify opportunities for distribution growth.
● Lead the formulation of channel-specific goals and key performance indicators (KPIs), ensuring alignment with company revenue targets.
2. Sales and Channel Management
● Drive the distribution and sales performance of Off-book Personal Loans, Credit Cards, and Digital Gold, ensuring alignment with business objectives and customer needs.
● Establish and maintain a high-performance sales team, providing leadership and mentorship to achieve channel and product targets.
● Develop robust training and enablement programs for agents and third-party partners, ensuring they have the tools and knowledge to sell effectively.
● Expand and optimize digital and offline channels, ensuring maximum reach and penetration in key markets.
3. Performance Monitoring and Reporting
● Track and analyse distribution channel performance, providing regular updates to senior management.
● Lead performance reviews for sales partners and agents, ensuring targets are being met and providing corrective actions when necessary.
● Monitor key metrics such as loan disbursement volume, credit card activation rates, digital gold transactions, and customer engagement levels.
4. Product Launches and Campaigns
● Collaborate with product and marketing teams to design and roll out promotional campaigns for Off-book Personal Loans, Credit Cards, and Digital Gold.
● Ensure the seamless launch of new products and features, coordinating with cross-functional teams to ensure successful adoption.
● Lead product awareness initiatives through various channels, ensuring customers are well-informed about product features and benefits.
5. Risk Management and Compliance
● Ensure all distribution activities are in compliance with applicable regulations, risk management frameworks, and the company's internal policies.
● Work closely with the legal and compliance teams to ensure all third-party distributors and agents adhere to necessary regulatory requirements.
● Implement and monitor risk mitigation strategies to minimize loan defaults and ensure sound credit card and digital gold portfolio performance.
6. Stakeholder Engagement
● Build and maintain strong relationships with key stakeholders, including external partners, internal teams, and senior leadership.
● Collaborate with internal teams, including marketing, technology, legal, and operations, to ensure smooth implementation and execution of distribution strategies.
7. Innovation and Technology Integration
● Explore and integrate innovative solutions, such as AI-based credit scoring, mobile apps, or other fintech technologies to improve the distribution process.
● Leverage data analytics and digital tools to optimize distribution, customer segmentation, and targeting.
Qualifications and Skills:
Education:
● Master’s degree in Business, Finance, Marketing, or a related field.
Experience:
● 6- 10 years of experience in distribution or sales roles within the fintech or banking industry, with a strong focus on personal loans, credit cards, and/or digital gold.
● Proven experience managing large-scale distribution teams and driving business growth in a high-performance environment.
● Experience in building and managing partnerships with external distribution networks (e.g., agents, third-party platforms).
● Strong understanding of the fintech landscape, particularly in lending, digital payments, and digital gold.
Skills:
● Strong leadership and team management skills with the ability to motivate and inspire a diverse team.
● Excellent communication and negotiation skills to manage relationships with internal and external stakeholders.
● Analytical mindset with the ability to interpret data and use it for business strategy and decision-making.
● In-depth knowledge of credit underwriting, risk assessment, and product distribution in the financial services sector.
● Ability to work in a fast-paced, rapidly evolving environment and manage multiple priorities.
Personal Attributes:
● Strategic thinker with a growth mindset.
● High level of initiative and self-motivation.
● Results-driven with a focus on achieving business objectives.
● Ability to manage complex projects and lead cross-functional teams.
● Customer-centric approach with an understanding of digital customer journeys.
Benefits:
● Company ESOPs
● Health Benefits.
● Professional development opportunities.
● Flexible work arrangements (depending on company policy).