Fintech (Stealth Mode - India)
Company:
https://www.linkedin.com/company/stealth-fintech-2
Seniority: Mid-Senior level
Industries: Financial Services
Job details:
About the company
We are a fast-growing pre-seed funded fintech startup currently operating in stealth mode. Our founding team brings experience across top-tier consulting, high-growth fintech, and large-scale financial services, and we are building with a long-term vision of creating a category-defining platform in India. We are backed by strong early believers and are working closely with leading ecosystem partners to build a scalable, compliant, and execution-first business.
Role Overview
We are looking for a Consultant / Advisor – Two-Wheeler Financing to build and scale our two-wheeler lending business, owning the full lifecycle from OEM and dealer partnerships to product construct, commercial structuring, and dealership go-live.
Key Responsibilities
- Design the two-wheeler financing product (ticket sizes, LTV, tenor, down payment, no-cost and low-cost EMI constructs) aligned to unit economics and counter conversion
- Identify and onboard OEMs, large dealer groups, and DSA / aggregator channels across ICE and EV two-wheelers
- Structure and negotiate commercial terms with partners (subvention and interest buy-down splits, dealer payouts, processing fees, risk-sharing arrangements, co-marketing commitments)
- Build the dealership activation playbook: in-store journey, counter presence, sales officer training, disbursal and delivery order flow, PDD and hypothecation handling
- Coordinate across partner teams (commercial, credit, legal, tech, ops) to move from term sheet to live dealerships
- Define program governance: credit policy guardrails, approval norms, fraud and abuse controls, subvention reconciliation, and dealer payout and settlement discipline
- Shape financing constructs suited to a checkout financing product, optimizing for finance penetration at the counter, approval-to-disbursal conversion, and dealer stickiness
- Track finance penetration, counter share, TAT, and early portfolio quality; ensure timely execution of launch and scale-up milestones
Requirements
- 10-20 years of experience in two-wheeler or auto financing, OEM captive finance, consumer lending, or dealer-led distribution
- A live network of decision-makers across two-wheeler OEMs, large dealer groups, and channel partners
- Track record of building or scaling a two-wheeler loan book, or launching financing across a dealership network
- Working understanding of two-wheeler financing economics: subvention and buy-down structures, dealer payouts, yield and LTV mix, delinquency behaviour, and regulatory considerations including RBI digital lending and lending partnership norms
- Exposure to EV two-wheeler financing is a plus
- Strong communication and stakeholder management skills
- Ability to drive execution independently in a fast-paced environment
What We Offer
- Opportunity to work on a high-impact fintech product in a fast-growing environment
- High ownership role with clear outcomes and measurable impact
- Fast decision-making and execution-driven culture
- Potential conversion to a full-time leadership role based on performance
Click on Apply to know more.