Head of Financial Services

Strategic Leadership & Growth

• Define and execute the strategic roadmap for iFarmer’s financial services, aligning with company goals.
• Scale farmer and retailer financing products while maintaining healthy portfolio quality.
• Lead the development of new financial products (e.g., warehouse financing, invoice financing, trade financing, savings products for farmers etc).

Business Development & Partnerships

• Build and manage strategic relationships with banks, NBFIs, MFIs, and impact investors.
• Negotiate co-lending and risk-sharing agreements to expand credit supply.
• Drive the integration of financing solutions into iFarmer’s marketplace and platform transactions.

Product Development & Innovation

• Design, develop, and refine a suite of financing products tailored for: Farmer, Input financing, working capital, and productivity-linked loans
• Retailers – Buy Now, Pay Later (BNPL), embedded financing, credit limits
• Suppliers/Traders – PO financing, invoice discounting, reverse factoring
• Lead continuous improvement of farmer financing processes, including: Faster loan approval and disbursement
• Better farmer onboarding and KYC workflows
• Simplified repayment structures aligned with crop cycles
• Integration with advisory, input, and output services
• Introduce and scale cashless payment and repayment systems that are intuitive and inclusive.
• Collaborate closely with product, tech, and data teams to digitize lending journeys on platforms like Sofol and mobile applications.

Credit Scoring & Data Systems

• Build and implement data-driven performance scoring models using transaction data, farm metrics, and behavioral signals.
• Collaborate with tech/product teams to embed credit flows into iFarmer’s digital systems (e.g., Sofol).
• Enable real-time portfolio visibility and customer-level risk segmentation.

Risk & Portfolio Management

• Establish robust credit risk assessment models that leverage iFarmer’s farmer and transaction data.
• Oversee loan monitoring, collections, and recovery processes.
• Maintain portfolio default rates within agreed thresholds.
• Monitor delinquency, NPL ratios, and repayment behavior, taking corrective actions swiftly.
• Build early warning systems, collection frameworks, and recovery SOPs.

Customer Understanding & Insights

• Deeply understand agri stakeholders farmers, retailers, suppliers and their financial behavior.
• Translate insights into product design, user onboarding, repayment systems, and financial education strategies.
• Champion customer-centric innovation with risk-aligned product decisions.

Operational Planning & Execution

• Build and manage the financing operations team (credit ops, collections, risk, and partnerships).
• Design SOPs for credit disbursement, monitoring, and reconciliation.
• Forecast financing needs in alignment with seasonality, input demand, and trade cycles.
• Lead the financial services team, ensuring strong execution from loan origination to repayment.
• Implement scalable processes and technology systems for credit operations.
• Ensure full compliance with regulatory and internal governance requirements.