Chief Business Officer / P&L Head – Digital Lending

Company Overview

CP Capital is a publicly listed Non-Banking Financial Company (NBFC), acknowledged for its established presence in the financial services and lending space. The company primarily operates in several areas including:

• Loan Against Property (LAP)
• Builder and real estate financing
• Lending to NBFCs for onward lending
• MSME and business lending
• Structured and short-term financing

CP Capital is now expanding its reach into new-age digital lending and unsecured consumer credit, having launched its first digital lending product focused on short-term payday loans for working professionals.

Job Summary

The Chief Business Officer / P&L Head will oversee the development and scaling of CP Capital’s new-age Digital Lending business. This role requires a hands-on leader who takes full ownership of the business, focusing on product development, customer acquisition, portfolio management, and team building.

Responsibilities

• Own the Digital Lending P&L end-to-end and scale the business from its current launch stage to ₹300 Crore in monthly disbursements.
• Build and scale the payday lending business, targeting working professionals with earnings above ₹25,000 per month.
• Drive customer acquisition through digital marketing, lead-generation partnerships, and other scalable acquisition channels.
• Collaborate with Risk and Collections to establish underwriting frameworks, manage portfolio quality, and optimize unit economics.
• Lead the transition from a third-party technology setup to developing stronger proprietary product and technology capabilities.
• Build and manage the business, product, technology, and operational teams necessary for scaling the platform.
• Drive the next phase of product expansion into EMI-based unsecured consumer lending.
• Formulate and execute overall business strategy while ensuring growth and profitability in a fast-evolving environment.

Qualifications

• Education: Advanced degree from IIT or IIM preferred.
• Experience:
  • 4+ years in leadership roles in Payday Lending / Unsecured Digital Lending.
  • 10-15 years of overall experience in relevant fields.
  • Proven history of overseeing a business disbursing at least ₹100 Crore monthly.
• Skills:
  • Strong understanding of digital lending, customer acquisition, underwriting procedures, collections, and unit economics.
  • Demonstrated ability to operate as a hands-on builder with P&L ownership.
  • Experience in scaling digital lending products and building effective teams.
  • Entrepreneurial mindset with high ownership in a dynamic business environment.

Preferred Skills

• Familiarity with technology-led customer acquisition and digital underwriting.
• Experience in developing proprietary technology for lending solutions.

Experience

• 10-15 years of overall experience, with a minimum of 4 years in leadership within the digital lending space.

Environment

• Location: Preferred in Mumbai; Kota as a second option; open to Jaipur/Delhi.
• Fast-paced and evolving work environment focusing on innovation in digital lending.

Salary

• Salary details are not specified.

Growth Opportunities

• Opportunities to drive strategic initiatives and lead significant aspects of the lending business, contributing to overall organizational growth.

Benefits

• Benefit details are not specified.