Confidential (via Talento HR)
Kochi · On-site · Full-time · 20-25 years experience
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Chief Business Officer (CBO)
🎯 Role Summary
The Chief Business Officer (CBO) is a high-impact, executive leadership position. You will act as the business head for an independent division, functioning as a "company within a company." You will own the strategic roadmap, scale lending operations, and drive sustainable revenue growth nationwide.
🔑 Key Responsibilities
📈 Strategic Business Growth
Formulate go-to-market strategies to aggressively expand lending and financing portfolios.
Identify market trends and launch innovative financial products for underserved segments.
Drive customer acquisition and lifetime value through physical and digital ecosystems.
💰 P&L Management
Own the complete Profit and Loss (P&L) statement for the assigned business unit.
Optimize revenue streams while maintaining strict cost-efficiency and budget control.
Deliver sustainable profitability targets aligned with corporate financial boards.
🤝 Cross-Functional Leadership
Direct up to 20 functional departments, ensuring strategic alignment across the unit.
Unify core functions, including Sales, Marketing, Tech, Product, and HR.
Collaborate with Legal, Risk, and Compliance to maintain high corporate governance.
🌐 Distribution Expansion
Build and scale a robust, pan-India physical branch network.
Architect digital sales engines to drive seamless, paperless customer onboarding.
Strengthen distribution channels through strategic fintech and institutional partnerships.
🛡️ Asset Quality & Collections
Oversee credit risk underwriting frameworks to maintain high-quality portfolio growth.
Supervise collection operations and early-warning systems to mitigate loan defaults.
Keep Non-Performing Assets (NPAs) well within the predefined organizational thresholds.
🎓 Candidate Profile & Qualifications
Domain Expertise: Deep understanding of retail lending, secured/unsecured loans, mortgages, or micro-finance.
Regulatory Knowledge: Strong command over RBI regulations, compliance frameworks, and fair practices lending codes.
Leadership Style: Exceptional mentor capable of managing large, diverse teams across corporate offices and deep field networks.
Education: MBA in Finance/Marketing, Chartered Accountant (CA), or an equivalent postgraduate degree from a premier institution.
MBA in Finance/Marketing, Chartered Accountant (CA), or an equivalent postgraduate degree from a premier institution.