Mahesh S G

Senior P&L Leader with 25+ years of experience building, scaling, and turning around lending businesses across MSME, LAP, and Affordable Housing segments.

Proven track record of delivering profitable growth, creating institution-grade lending platforms, and managing large-scale portfolios across diverse economic cycles.

Core Strengths

• Business Building: Built MSME/Micro-LAP vertical from 0 → ₹110Cr AUM in 18 months
• Scale Leadership: Managed ₹1500Cr+ AUM portfolio with sustained profitability
• Turnarounds: Scaled unsecured lending business 10X to consistent monthly profitability
• Asset Quality: Maintained <1% GNPA across cycles through strong credit discipline
• Leadership: Led 400+ member teams across Pan-India markets

Deep expertise in P&L ownership, credit strategy, co-lending & FLDG structures, and digital-first lending ecosystems. Known for balancing aggressive growth with robust risk governance and building high-performance teams.

Core Expertise: P&L Management | Lending Strategy | MSME & Mortgage Lending (LAP) | Affordable Housing | Credit Risk & Underwriting | Portfolio Management | Business Transformation | Co-lending & Partnerships | Digital Lending | RBI Compliance & Governance

Open to Chief Business Officer / Business Head / CEO-track mandates in NBFCs, Banks, and Fintech-led lending platforms.

Chief Operating Officer | Sharvagyaa Finance | June 2024 – Present

• Managed a niche Business Correspondent (BC) venture focused on Micro-LAP and MSME Secured lending in semi-urban and rural markets.
• Designed the end-to-end product architecture, credit policy, and distribution model for underserved borrower segments.
• Governance & Compliance: Executed a disciplined strategic exit and portfolio transition by navigating shifting regulatory landscapes and capital markets, ensuring 100% compliance and professional stakeholder settlement.

Business Head – Unsecured Loans | Muthoot Finance | Nov 2021 – June 2024

• Scalability: Expanded disbursements from ₹13 Cr to ₹100 Cr/month, building a high-growth, technology-enabled business.
• Portfolio Management: Managed ₹1500+ Cr AUM, balancing aggressive growth with asset quality.
• Digital Transformation: Pioneered the digital transformation of the unsecured vertical, implementing API-driven underwriting and sourcing workflows that facilitated rapid scaling while maintaining real-time portfolio tracking.
• Profitability: Delivered consistent ₹2 Cr/month profitability through pricing and portfolio optimization.
• Led a 400+ member team across multiple locations PAN India.

Chief Business Officer (MSME Lending) | Asirvad Micro Finance | Mar 2019 – Oct 2021

• Role Mandate: Specifically hired to incubate and lead the non-MFI Secured Lending vertical as part of the organization's strategic diversification.
• Architecture: Built the Micro-LAP and Secured MSME business from the ground up, establishing credit underwriting standards and specialized distribution channels.
• Operational Bridge: Managed the organizational transition between MFI-style operational speed and the rigid risk guardrails required for secured assets.

Senior Vice President | Vistaar Financial Services Pvt. Ltd. | Nov 2012 – Feb 2019

• Network Growth: Expanded the branch network from 40 to 215 locations across India.
• Regional Leadership: Managed the branch-led MSME secured lending business in both South and North India.
• Channel Strategy: Built alternate sourcing channels including DSAs, connectors, and aggregators.

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EARLIER LEADERSHIP ROLES

• Vice President – MSME, DCB Bank
• Zonal Manager – Mortgages, HDB Financial Services
• State Business Manager, Fullerton India Credit Company (now SMFG)
• Area Manager, Citicorp Finance (India) Ltd
• Area Officer, Sundaram Finance Ltd

• Bachelor’s Degree in Economics – St. Joseph’s College, Bangalore University
• Executive Certification Program – XLRI Jamshedpur